With a Secondary Market Valuation®, [SMV] advisors can finally provide the clarity and concise policy analysis clients demand with the simplicity, accuracy and trustworthy insight to stake a reputation on. Ashar’s unique blend of industry insight, carrier intelligence, proprietary underwriting formulas, integrates into the most valuable resource in insurance today.
Take comprehensive planning to a new level.
1
#1 strategic interview
As is often the case, the right questions drive the best results. The Strategic Interview portion of the SMV process helps define the correct criteria for a positive outcome.
2
#2 policy filter
Leveraging an understanding of all different products and funding strategies, we look at the strengths and weaknesses of the asset, review the illustrations and contract with an eye to longevity risk, premium structure and negotiating opportunities.
3
#3 medical underwriting factors
We conduct a comprehensive medical review to assess mortality, evaluating various factors that influence the life expectancy equation.
4
#4 pricing analysis
We take the factors from the Policy Filter and Medical Underwriting and combine them to create a range of Internal Rate of Return and to build pricing scenarios. Once we determine the factors to weight the policy, we request the hard data to support our assumptions and create an estimate of value.
5
#5
internal
assumption
challenge
Questioning assumptions is the difference between average and excellence. An Internal Assumption Challenge is the equivalent of a peer-based critique. We roundtable each Valuation to question, perfect and protect quality.
With a Secondary Market Valuation [SMV®], advisors can finally provide the clarity and concise policy analysis clients demand. The simplicity, accuracy and trustworthy insight of the SMV® is something you can stake your reputation on. Ashar’s unique blend of industry insight, carrier intelligence and proprietary underwriting formulas are integrated into the most valuable Secondary Market resource today.
The SMV® can be a prudent and valuable solution in the following situations
Determining the fair market value of your contract
Completing a business valuation - including insurance or annuities
Transferring a policy from one entity to another
Exiting a Non-Equity Collateral Split Dollar contract
