case studies: split DB

Ashar Group has facilitated the assignment of billions of policy benefits in Secondary Market transactions. The following case studies are examples of client situations that can begin with a Secondary Market Valuation. No different than any other asset or piece of property, it's important to know what it is worth when making informed decisions. Choose from the link below to learn about the benefits of Secondary Market Solutions.

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Split DBtrust owned survivorship policy

Due to the changes in the exemption, the client did not feel they needed as much insurance for estate tax purposes; however they wanted to retain some coverage. They were able to keep a portion of the policy without paying any future premiums.

Insured | 82 year-old female with minor health issues, and male, deceased

  • Type of Policy | Survivorship Life with one deceased
  • Policy Face Value | $4,000,000
  • Cash Surrender Value | $18,000
  • Secondary Market Value | Policy owner retained $2,000,000 without paying future premium obligations
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