Life insurance policies are assets.

Likely, you discuss real estate, trusts, businesses, retirement funds, and other equities with your clients at length. But what about their life insurance policy?

Unneeded and unwanted life insurance policies can be exchanged for more than the cash surrender value.

A life settlement is the sale of an existing life insurance policy to an institutional investor for more than the cash surrender value and less than the death benefit. The funds from a life settlement can be used for other planning needs - investments, new insurance on healthier insureds, retirement, charitable donations, and much more.

SUCCESS STORIES

We value thousands of policies each year. View more more life settlement success stories here.

Are you sharing all available options with your client?

Not every life insurance policy will qualify, but the ones that do can be sold for much more than their cash surrender value.

  • Insureds age 70+
  • Face amounts of at least $100K
  • Life expectancy under 20 years (NO MEDICAL EXAMS REQUIRED)
  • Any policy type (Universal Life and Convertible Term are the most attractive)
  • Guaranteed Universal Life can be sold without any medical records review
  • Indexed and variable policies can qualify, too

Try our Life Settlement Probability Calculator to determine if your client's policy could qualify.

You don't have to be a life insurance expert to explore the life settlement option.

Many financial professionals feel they don’t know enough about life insurance or life settlements to discuss this solution with their clients. We're here to help answer your questions about the market and guide you and your client through the process.

Schedule a Market Update

Complete the form below and a member of our Strategic Partnerships team will reach out to schedule a time for your life settlement market update with one of our experts.

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.