def: (ash-er) “do what is right and you will be blessed”

Who We Serve

Financial Professionals & Fiduciaries

Clients Have Questions. We Have Answers.

We provide answers to the questions your clients are asking – “What are my options if I no longer need or want to pay for my policy? What is my policy worth?” Our life insurance valuation options arm you with the information needed to deliver comprehensive planning solutions. If a life settlement is the best path for your client, we will guide you through the process so you can focus on what you do best.

Exchange existing life insurance for cash today.

Decisions made easy.

Find out if a life settlement is the right path for your clients.

Should You Keep or Sell Your Life Insurance Policy?

Did you know you can sell a life insurance policy for cash? A life settlement offers a significantly higher value than simply letting an unneeded, unwanted or unaffordable policy lapse. Whether you are a policy owner or a loved one looking for options, the first step is to determine its value. Our sole responsibility is to you – the policy owner. We ensure you get the unbiased information you need to determine the right path and deliver the best possible outcome.

Your life insurance policy is an asset and should be valued.

Decisions made easy.

Find out if a life settlement is the right path for you.

National Partners

Relationships Matter.

You’ve likely spent decades building relationships on a foundation of trust. Ashar deliberately partners with organizations that share similar values of serving clients’ best interests and a dedication to compliance and transparency. This includes honoring the relationships companies have built with their clients and ensuring our actions help protect those relationships.

As a life settlement fiduciary, we represent the policy owner and sit on the same side of the table as financial professionals and the clients you serve.

Education Made Easy.

Learn more through our library of blogs, articles, and videos.

Who We Serve

Planning Professionals Policy Owners National Partners

What We Do

About Us

How We're Different Our Values We Are Ashar

Success Stories

Knowledge Center

NEWS RESOURCES General FAQs

Contact Keep or Sell?

def: (ash-er) “do what is right and you will be blessed”

Who We Serve

Financial Professionals & Fiduciaries

Clients Have Questions. We Have Answers.

We provide answers to the questions your clients are asking – “What are my options if I no longer need or want to pay for my policy? What is my policy worth?” Our policy valuation options arm you with the information needed to deliver comprehensive planning solutions. If a life settlement is the best path for your client, we will guide you through the process so you can focus on what you do best.

Exchange existing life insurance for cash today.

Decisions made easy.

Find out if a life settlement is the right path for your clients.

Should You Keep or Sell Your Life Insurance Policy?

Did you know you can sell a life insurance policy for cash? A life settlement offers a significantly higher value than simply letting an unneeded, unwanted or unaffordable policy lapse. Whether you are a policy owner or a loved one looking for options, the first step is to determine its value. Our sole responsibility is to you – the policy owner. We ensure you get the unbiased information you need to determine the right path and deliver the best possible outcome.

Your life insurance policy is an asset and should be valued.

Decisions made easy.

Find out if a life settlement is the right path for you.

National Partners

Relationships Matter.

You’ve likely spent decades building relationships on a foundation of trust. Ashar deliberately partners with organizations that share similar values of serving clients’ best interests and a dedication to compliance and transparency. This includes honoring the relationships companies have built with their clients and ensuring our actions help protect those relationships.

As a life settlement fiduciary, we represent the policy owner and sit on the same side of the table as financial professionals and the clients you serve.

Education Made Easy.

Learn more through our library of blogs, articles, and videos.

Who We Serve

Planning Professionals Policy Owners National Partners

What We Do

About Us

How We're Different Our Values We Are Ashar

Success Stories

Knowledge Center

NEWS RESOURCES General FAQs

Contact Keep or Sell?

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 will give you if you don't have to. If you are considering any change to your life insurance, be sure to get it appraised for 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

Consider working with a local financial advisor.

Let's find out if your policy qualifies

Complete the form below and Herb will connect with you soon!

Troutz & Company partners with Ashar Group to facilitate the policy auction so policy owners receive the best offer.

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.