Ashar Group
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Ashar Group
def: (ash-er) “do what is right and you will be blessed”
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How Can a Life Settlement Help You?

Don't abandon your life insurance policy without getting it appraised!

AT NO COST TO YOU!

Your life insurance policy is an asset you own and can be valued and sold like any other property. It is your right to sell it if you no longer need the coverage, it has become unaffordable, or you need cash now. Don't settle for what the insurance carrier offers if you don't have to. If you are considering any changes to your life insurance, be sure to have it appraised for its life settlement value first.

What is a life settlement?

A life settlement is the sale of an existing life insurance policy for more than the cash value and less than the death benefit.

Here's what typically qualifies for a life settlement:

NO MEDICAL EXAMS ARE EVER REQUIRED

  • Face Amount $100K or more
  • Insured Age 70+ (younger if the insured has impaired health)
  • Any policy type can qualify, but any Universal Life products and Convertible Term are the most attractive.

How can you use the funds from a life settlement?

The funds from a life settlement can be used for anything!

  • Add to your retirement income
  • Pay for long-term care or help at home
  • Cover medical bills or health-related expenses
  • Buy new life insurance on younger family members
  • Fund other financial products
  • Make investments to grow your money
  • Give to family or make charitable gifts
  • Pay for grandchildren's education or business ventures
  • Pay off loans, credit cards, or other debt
  • Travel, enjoy leisure activities, or check off your bucket list

CLIENT ARTICLE: Should I Sell My Life Insurance Policy?

What should you do when a life insurance policy is no longer needed?

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WHEN TO VALUE A LIFE INSURANCE POLICY:

  • The original purchase reason no longer applies
  • The policy is no longer needed due to estate tax changes
  • No longer want to allocate planning dollars to the premium
  • Divorce or bankruptcy
  • Liquidity is needed for other planning
  • Retirement or exit from a business
  • You're outliving the original plan
  • You've had a change in health since the policy was issued
  • The policy isn't performing as expected
  • Desire to simplify complicated insurance structures
  • Funding is needed for caregiving or other health-related expenses

LIFE SETTLEMENT PROCESS USING ASHAR'S POLICY AUCTION PLATFORM:

Why partner with Ashar Group?

  • They represent the policy owner, not the buyer,
  • They facilitate a secure policy auction among licensed buyers (who represent multiple funding sources) to ensure the policy owner receives the highest offer,
  • They are family-owned and treat every client as if they were a member of their family.
  • They have systems and processes in place to protect clients' health and policy data.
  • They will tell the policy owner if it's better to keep the policy - no hard sales tactics.
  • They value thousands of policies every year and leverage that information to inform policy owners immediately if a life settlement value exists.
  • Learn more here: Policy Owners - Ashar Group
case study

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.

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