How We Support Forum Members

Our goal is to give advisors confidence in identifying and communicating the topic of life settlements with clients and centers of influence while demonstrating an orderly methodology for conducting the life settlement process that protects the interests of the policy owner and their advisory team.

ADD LIFE SETTLEMENT VALUE TO YOUR POLICY REVIEWS

"When clients cancel policies, the carrier benefits. When the client settles, the client (and the advisor) wins!" - Ken Samuelson, Forum 400 Member

Time and circumstances change the need for life insurance. Don't allow clients to lapse or surrender unneeded life insurance policies without first checking for life settlement value. The funds from a life settlement can be used for other planning needs - new coverage on healthier insureds, retirement, investments, long-term care, and even charitable contributions.

"Successful advisors communicate this solution to their fiduciary relationships, and something always comes out of it." - Ken Samuelson, Forum 400 Member

Resources

Request education or training for your clients and COI relationships.

EMAIL REQUEST

IDEAL CLIENT

Insureds with approximately 15-year life expectancy or less
Any policy type/face amount can qualify (all types of Universal Life and Convertible Term are the most attractive)
Low cash value
Policies issued preferred/standard with a current change of health

Look for clients in financial transition:

HNW clients looking to revise complex insurance structures that are no longer performing as expected
Younger clients paying for the care of aging loved ones and putting off their own planning needs
Funds needed for any other planning - new coverage on healthier insureds, retirement, investments, long-term care, and charitable contributions
Succession planning: Retirement/M&A
Insureds living longer than expected and outliving the current plan
Philanthropic clients seeking ways to make an impactful donation without disturbing other assets
Bankruptcy/Divorce
Liquidity needed to fund caregiving

PRACTICE TIP: SORT YOUR DATABASE TO EXAMINE YOUR EXISTING BOOK OF LIFE INSURANCE FOR ANY LIFE SETTLEMENT OPPORTUNITIES IN LIGHT OF POTENTIAL TAX CHANGES.

REQUEST EDUCATION AND TRAINING FOR YOUR CLIENTS AND COI RELATIONSHIPS

EMAIL REQUEST

Ashar Group is a nationally licensed life settlement firm that protects the best interests of policy owners by creating a competitive policy auction to deliver the best value to the seller. Ashar Group does not sell life insurance, manage assets, or purchase policies. We are an independent resource for fiduciary advisors and their clients specializing in life insurance valuation for planning purposes.

Success Stories

INSURED

James, 72

Business was sold, and the policy was no longer needed
Business owner was able to receive additional value above and beyond the sale of the company.

Type of Policy

Term Conversion

Policy Face Value

5,000,000

Cash Surrender Value

Life Settlement Value

750,000

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