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Featured Resources

Life Settlements: Fiduciary Helps Client Uncover SMV®, Fair Market Value

get a secondary opinion® Many times a policy owner doesn’t realize the true value of their life insurance policy, letting it lapse or surrendering it back to the insurance company before checking for Fair Market Value. For example, an 81-year-old female had purchased a $3 Million Universal Life policy in 1988 and was told that […]
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Life Settlements: Funding Long Term Care.

get a secondary opinion® A new life settlement option has been developed to assist senior clients who have an immediate need of long term care. It applies to nursing home care, home skilled nursing care, assisted living, and hospice. This long term care (LTC) benefit program is an approved Medicaid spend down and allows the […]
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Fiduciary Must-do List

get a secondary opinion® Even though life settlements have been available for over two decades, fiduciaries may not be clear on measures that need to be taken to protect the best interests of their clients. There are a few simple guidelines that you can follow to help mitigate risk. The first and most important is […]
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Use Your Life Insurance Asset to Your Greatest Advantage

Is Life Insurance Your Client’s Greatest Asset? A life insurance policy can have a monetary value on the Secondary Market that far outshines its cash surrender value. Using a SMV®, Secondary Market Valuation, can help you determine the actual fair market value of a policy for your client. And finding previously unknown monetary value not […]
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Fair Market Value: Beware if your Life Settlement Offer Isn’t FMV

In an extremely competitive insurance landscape, protecting the client by ensuring they get fair market value in a Life Settlement should be the foremost priority in any advisor’s mind. Yet far too often, unsuspecting clients and their advisors are taken advantage of when they knowingly participate in a process that does not secure the fair […]
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5 Reasons Clients Ask Their Advisor about Life Settlements

get a secondary opinion® It’s not uncommon that policies issued years ago can outlive their original purpose. There are also times when more modern products are available. Situations such as nearing the end of a conversion period for Term policies, or the challenges of underfunded policies, may result in a senior exploring the life settlement […]
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Living Too Long: How Life Settlements Help Seniors When the Money Runs Out

get a secondary opinion® People are living longer and pensions are becoming a thing of the past. The Life Settlement option has emerged as a viable option when it becomes clear to the adult-children or the senior that they are outliving their savings and in need of liquidity to maintain their lifestyle for years to […]
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Deliver Value and Minimize Pitfalls with a Life Settlement.

get a secondary opinion® It’s not unusual to hear about a policyholder who abandons or cashes in their life insurance policy without first checking for its fair market value. If they had appraised their policy, many would have found out that it could have been worth far more in the Secondary Market than what they […]
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It’s Simple. Start with a Policy Value Quiz to Uncover the Life Settlement Value.

get a secondary opinion® As advisors first and foremost, we all want to serve with commitment and compassion in helping all parties involved in the consideration of a life settlement. That includes making it easy for advisors to learn about the secondary market, so you can help your clients make smart decisions, protect their independence […]
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Should I Surrender My life Insurance for Minimal Value or Sell it for Fair Market Value?

get a secondary opinion® There are many factors involved when making this big decision, but if other options aren’t readily available, a cash settlement in the secondary market can be a significant source of needed income. The Ashar SMV®, Secondary Market Valuation, can help you determine if your client’s policy has value beyond the cash […]
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Life Settlement Transaction Process Determines Fair Market Value

get a secondary opinion® The Ashar Group’s team is widely considered one of the most respected and technically proficient in the industry. You’ll find our approach to the transaction process robust, abiding by all applicable state regulations and privacy requirements, while always protecting the best interest of the policy owner throughout the entire negotiation process. […]
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Funding Long Term Care with Life Settlements

get a secondary opinion® As a trusted advisor, have you discussed alternative ways to fund long-term care (LTC) for your clients or their loved ones? With an aging population, the harsh reality is that a majority of Americans will need long-term care, assisted living, or homecare. Many clients in their 50-60’s cannot prepare for their […]
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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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