get a secondary opinion® There’s no better advocate in helping clients meet their long-term financial goals than their advisor. With this in mind, there are many cases where an uninformed client surrenders or lapses a policy that was worth much more than the cash value. That’s why many advisors choose to order an Ashar Secondary […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
get a secondary opinion® They are both transferrable and that’s where the opportunity begins. If you no longer needed your home, you would sell it on the open market for its fair market value to a qualified buyer. It’s the same with Life Insurance and Annuities. We call this exchange the Secondary Market. Like real […]
