If the topic of life settlements makes you feel like you’re entering uncharted territory, know that you’re not alone. After all, the life settlement business is still relatively new, having first emerged approximately 30 years ago. In the last 10 to 15 years, the practice has grown more inclusive, helping individuals manage and finance life changes of all sorts, not just major health developments. The great news is, you don’t have to be a life insurance expert to discuss life settlements with your clients. We bet you’ll find that the subject naturally fits into the conversations you’re already having. (more…)

If you are a financial professional who often advises seniors, it is in both you and your clients’ best interests to discuss and explore life settlements. This shouldn’t be difficult since life settlements are a natural part of the financial planning conversations you’re already having with clients. (more…)

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…)