At Ashar Group, we have the privilege of helping individuals recover much-needed cash through the sale of their existing life insurance policies to licensed institutional buyers. Time and time again, we have seen life settlement transactions relieve financial stress associated with retirement, medical expenses, and long-term care needs. (more…)

What is Term Life Insurance?

There are two main types of life insurance: term life insurance and permanent life insurance. (more…)

For many seniors, life insurance may be one of the most valuable assets that they own. Several factors such as increasing longevity, a sustained period of low interest rates, and inconsistent management of policy premiums have wrought havoc on universal life insurance policies owned by seniors. (more…)

Life is both precious and capricious. A reality of aging is that life and health can become increasingly unpredictable. As we age and new health developments arise, so do new medical expenses. (more…)

Many seniors experience money-related stress prompted by expensive life insurance premiums. Every month, however, they make costly payments out of the desire to keep their families safe. Your clients might be under the impression that they have to choose between serenity and security. Nevertheless, a life settlement can offer someone both. (more…)

Reason 1: The Policy is No Longer Needed

This is the first installment of the Ashar Group series, “Reasons to Sell a Life Insurance Policy for Cash.” Our series encompasses the following topics: “The Policy is No Longer Needed” (found in this article), “Premiums Are Too Expensive,” “Changes in Health,” “Retirement Planning,” “Term Policy Approaching Expiration,” and “Business Term Insurance, (Retiring).” (more…)

As we enter 2019 with a degree of uncertainty in some economic arenas, money-market funds, also known as MMFs, are making a comeback.

Before the financial crisis of 2008-2009, money-market funds had the potential to yield 5 percent, and sometimes, even more. (more…)

For seniors and their families, there’s the ever-present concern that an accident or fall will happen when nobody’s around to help or get help. While a person may not always be around to lend a senior a helping hand, technology is getting closer and closer to filling that gap. Today, new smart devices are helping seniors safely live independent lives and giving reassurance to concerned family members and caregivers. (more…)

“I have the right to take care of myself. This is not an act of selfishness. It will give me the capability of taking better care of my relative.”

Adapted from A Caregiver’s Bill of Rights by Jo Horne and published in 1985 by the American Association of Retired Persons (AARP), this is the first entry in a list of rights focusing on caregivers’ needs. And it can be a hard pill to swallow for someone who has signed on to support the well-being of another. But before you can care for someone else, you have to take care of yourself. If you’re a caregiver, here are some noteworthy self-care tips that will get you to a place where you can best care for others. (more…)

When you hear the word “roommates,” thoughts about the days of being young and single may come to mind. However, more and more people, especially women, are finding the housemate option to be an attractive choice as they ease into retirement, taking into account financial reality and the resilience needed to live alone. In a home sharing arrangement, residents can split household chores, feel safer with more people around, and grow older at home without feeling isolated, according to research studies citing the advantages of friendship and social engagement.  (more…)