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Featured Resources

Life Settlements – Now is the Time

get a secondary opinion® The life settlement market is back stronger than ever and now is a great time to dust off past submissions that didn’t work. Many of the cases closing today were first submitted in the 2004-2008 era. In most situations, its now 10 years later, and not only is the market stronger, […]
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Charities Score Big with Life Settlements!

get a secondary opinion® How many people are involved in planning the annual fund raising event for most charities? How many man-hours are devoted to just that one single event? There’s a much easier way for charities to raise capital for present needs. One of the planners we work with asked us to appraise three […]
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Mom Can’t Qualify for LTC Insurance? Try a Life Settlement.

get a secondary opinion® Many of your 50 and 60-year-old clients are part of the “Sandwich Generation”. They are striving to prepare for their own retirement and encumbered by the fact that they not only have financial obligations to their children, but many of them are now also faced with caring for a parent who […]
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What Kind of Life Settlement “Deal” did you get?

get a secondary opinion® Life insurance policy owners receive information from the insurance carrier about various policy values such as accumulated value, cash surrender value, guaranteed values, non-guaranteed values, loan value, face amount, and so on. One value that they don’t get from their insurance carrier is fair market value (FMV). For the two most […]
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Life Insurance Valuations for Fiduciaries

get a secondary opinion® Fiduciaries Have to Get it Right! Life insurance has always been a cornerstone of estate planning and is usually put into place by a knowledgeable life insurance agent. The attorney places the policy in an ILIT and a Trustee is chosen. In the past it was common for the attorney, a […]
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It’s a No No! - So Check for Life Settlement Value First!

get a secondary opinion® Every year a staggering number of senior life policy owners lapse or surrender their unneeded or underperforming life insurance policies without first checking for fair market value. A 1911 Supreme Court Decision, Grigsby v. Russell viewed life insurance as private property whose owner has all of the rights and privileges possessed […]
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ATRA Boosts Life Settlements

get a secondary opinion® The American Tax Payer Relief Act (ATRA) has caused many seniors to question the amount of life insurance they still need to carry for estate protection. Many of those seniors want to retain some coverage but feel they no longer need all of it. That’s where a split death benefit life […]
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M&A – Life Settlement Uncovers Additional Liquidity

get a secondary opinion® One of the most commonly overlooked assets in M&A activity and business succession planning is life insurance. Business Valuators do not include life insurance as part of the Business Valuation. Astute planners who are aware of this fact can uncover additional liquidity for their clients that are normally overlooked by both […]
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Life Settlement “Found Money” a Windfall for AUM

get a secondary opinion® Universal life policies are notorious for being underfunded which inevitably leads to a significant escalation in annual premiums costs in order to maintain the policy to maturity. If the policy is no longer needed, or has become unaffordable, and is going to be lapsed, be sure to check for fair market […]
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A, B, C’s of Introducing Policy Valuations/Life Settlements to your Clients

get a secondary opinion® Who qualifies? Organizing your relationships/database: 1) 65+ years and older who in your estimation have a 15 year +/- life expectancy 2) Annual level premiums of 5% of the face amount or less until maturity (Premium Ratio) 3) Policy face amount of $100,000 or greater “90% of seniors who lapsed a […]
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Life Settlements: Fiduciaries Demand Fair Market Value and Aren't Fooled by “Fair Value”.

Who is your client listening to? No different than other markets, there are companies trying to disintermediate fiduciaries and planners. They are aggressively advertising direct to your clients about receiving cash for their life insurance policy. If they’re successful in their quest, then your clients could be left without representation, vulnerable, and not treated in […]
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Outliving the Dream?: A Life Settlement SMV® to the Rescue

get a secondary opinion® Especially in a time where health costs are higher than ever, pensions are becoming a thing of the past and the financial stress still lingers in the investment accounts of Americans approaching their retirement years. The Secondary Market has taken off over the last decade, generating billions to consumers through the […]
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Will I need a medical exam?

Unlike applying for insurance coverage, no medical exam is required in the life settlement process. Buyers will review the last 3 years of medical records for the purpose of providing offers. Certain situations do not require any medical review at all.

Is a life settlement legal?

The right to sell your life insurance policy, like any other piece of property/asset, is available in all 50 states.

How common are life settlements?

With the retirement crisis and increased medical costs, more senior policy owners are using life settlements to unlock the value of unwanted/unneeded life insurance policies and use the funds for all sorts of needs like funding retirement, long-term care, or medical expenses.

I see a lot of ads on T.V. about selling my life insurance. How is Ashar different?

Companies on TV are licensed to represent investors, not policy owners. Their objective is to pay the lowest amount possible for a policy without competition. Ashar is a fiduciary to the policy owner and through our competitive auction process, we secure hundreds of millions each year for families looking to solve everyday needs. Since 2003, Ashar has been focused solely on the life settlement and life insurance policy valuation space and has earned the reputation of a trusted resource.

How can I ensure I have representation that protects my best interests?

While we’re licensed to represent the seller in a life settlement transaction, Ashar also works alongside financial professionals for the clients they serve. We believe policy owners are best served when their planning professionals are involved in any complex decisions about their life insurance. Either way, our sole fiduciary duty is to you – the policy owner. Ashar has relationships with thousands of reputable financial professionals in every practice area – insurance planning, tax planning, retirement planning, wealth management, charitable planning, etc. If you need a recommendation, let us make the connection. We’re here to help.

If my policy has value now, won’t it have more in the future?

It depends on several factors like cost of insurance changes or significant changes in insured’s health. Like all markets, sometimes it’s a seller’s market and sometimes it’s a buyer’s market. Also, the market is impacted by buyer’s purchase parameters. Ultimately, families should consider the cost of continued premiums and managing the policy should they decide to keep it in the hopes of selling it in the future. What if the insured lives longer than projected? Does the policy owner have the liquidity available to maintain the policy?

How do I know if I will qualify?

Most buyers are looking at policy type, age and health of the insured, and premium requirements to make a determination of offer. Each life settlement buyer is a fiduciary to multiple investors, each with their own unique set of purchase parameters. Based on policy details and insured health status, we will reach out to our extensive network of institutional buyer relationships for offers. If you have an unneeded/unwanted policy, are ages 60s to 90s, and have had a decline in health since your policy was issued, you could qualify for a life settlement solution. Younger insureds with significant health issues can also qualify.

What is my policy worth?

The overall value depends on several factors: policy type, premium amount, cash surrender value, insured’s health, and buyer’s purchase parameters. Most policy owners only know what the death benefit is in the event of the insured’s passing. Beyond that, some policies accumulate cash value – the amount the policy owner would receive if the policy were surrendered (less any carrier/outstanding fees). In the life settlement transaction, there are two values: the offer that is received without a policy auction and the fair market value (highest value) – achieved only through a true policy auction. Find out if your policy could have value.


How long does the life settlement process take?

Ashar can provide a range of potential value with some policy and medical information within a day or two. The entire process takes on average about the same amount of time as selling your house. Ashar’s experienced team is dedicated to compressing timeframes and delivering a quick result to every policy owner and financial professional we serve.

Who’s actually buying my policy?

Experienced life settlement resources work with qualified licensed purchasers. These purchasers are obligated to the investors they represent and are comprised of some of the most well-known institutional investment groups – pension plans, private equity, and asset managers. Ashar requires each buyer relationship to complete a due diligence process. We never work with purchasers who represent individual investors, or those that do not abide by all applicable regulatory requirements.

Are life settlement proceeds taxable?

Money received from a life settlement is tax free up to the basis (premiums paid into the policy). From the basis to the cash surrender value is treated as ordinary income. All proceeds that exceed the cash surrender value is taxed as capital gain. *Disclaimer: This information is for educational purposes only. Ashar does not provide tax advice. Please speak with your tax professional for more information.
Current Tax Law

What’s the difference between Ashar and buyers?

Direct buyers’ fiduciary duty is to the funds they represent when purchasing policies, not the client. Their objective is to pay the lowest amount possible, so they receive the highest return for their investors. Ashar sits on the same side of the table as you and your client. Our sole responsibility is to the policy owner. Through our competitive auction platform, we leverage multiple buyers’ offers to negotiate the highest offer. While a direct buyer’s offer will be higher than the policy’s cash surrender value, only through a true competitive auction can the seller receive the fair market value for their policy.

Should I submit my clients’ information to multiple life settlement companies?

No, maintaining control of the information submitted to buyers ensures your client’s data is used solely for the purpose of obtaining the highest value. It’s all about buyer competition, not life settlement fiduciaries sending mixed messages to the market. Ashar will securely submit the policy to licensed buyers and facilitate the auction process on behalf of your client. Controlled, exclusive policy control is in the best interest of the policy owner and receives the most aggressive offers during the auction process.

What does independent representation mean to me?

Ashar does not sell life insurance, manage assets, nor purchase policies. This means we are dedicated to ensuring your clients receive the highest offer for their life insurance policy and we will protect the integrity of the process and the relationships you have spent your career building.

How does Ashar protect my client’s data?

First, Ashar does not partner with lead gen companies that sell your client’s data to other companies. Second, Ashar transfers data through our secure policy auction platform and shares it only with necessary parties.

Who does Ashar represent?

As a licensed life settlement broker, Ashar has a fiduciary duty to protect the best interests of the policy owner/seller in the life settlement process. We sit on the same side of the table as you and your client. It’s always about what’s best for the policy owner, not the buyer. Whether it’s our expedited approach or a more traditional path of taking the policy to market, the result will be defensible with all parties feeling confident that the seller’s needs were met. Taking the time to properly position the policy and force competition between a group of vetted, qualified buyers ensures the seller receives much higher offers than the opening bid of a single buyer.

What training and support does Ashar offer my organization?

Ashar’s executive team members are respected thought leaders in the secondary market, speaking both nationally and internationally on the topics of life settlements, policy valuations, and the impact of increased longevity on planning with senior clients. They’re supported by a team of experienced analysts who keep the promises they make on the front stage. We offer exclusive education for teams like yours so they learn new ways to meet client needs – whatever they may be. From one-on-one sessions to webinars, guest speaking events, marketing tools, newsletter content, and more, we meet you where you are so you can meet your goals. Topics range from general market overviews to success stories to in-depth life insurance policy valuation methodologies. The education possibilities are endless.

What makes Ashar different than other life settlement companies?

Ashar is a nationally licensed independent seller’s representative and does not sell life insurance, manage assets, nor purchase policies. Backed by our proprietary auction platform, our team of longevity and in-house valuation experts deliver the best results for policy owners.

Is the life settlement industry regulated?

Every state allows for the life settlement transaction. Like any other asset/property, it is a policy owner’s right to sell a life insurance policy. Some states even require disclosure of the life settlement option as an exit strategy. Additionally, all forms are regulated by each state’s department of insurance.

How does Ashar ensure client best interests and our advisors are served?

In the age of best interest regulations, many are concerned with the potential liability of not disclosing the life settlement option and a policy owner canceling a life insurance contract that was worth five to 10 times more than the cash surrender value. We represent thousands of policy owners each year to provide information so they can decide whether to keep or sell their life insurance.

Who’s buying these policies?

Experienced life settlement resources work with licensed purchasers. Each of these purchasers represent multiple funds comprised of some of the most well-known institutional investment groups – pension plans, private equity, and asset managers. Ashar requires each buyer relationship to complete a due diligence process. We never work with purchasers who represent individual investors, or those that do not abide by all applicable regulatory requirements.

Is Ashar a licensed fiduciary to represent my clients?

Yes, we represent thousands of policy owners each year to provide information so they can decide whether to keep or sell their life insurance. We understand how to protect client’s information and abide by all applicable regulatory requirements.

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