As our parents age, we have to have many conversations that we know are necessary, but that we’d give anything to avoid. Talking about your parent’s last wishes. Discussing long-term care options. Admitting to your parent that you alone can’t provide the care they need anymore. These are all difficult, and sometimes, necessary conversations. If […]
While certain financial issues are the same for everyone - stick to a budget, save for retirement, consider your long-term care needs - there are some things that, like it or not, women need to think about more than men. That's true of retirement planning, as well. When it comesto planning for retirement, women and […]
Few of us ever really expect to become family caregivers. Most of the time, the circumstances that lead to us becoming caregivers creep up on us gradually - maybe a loved one begins having trouble remembering her medications, then falls while at home, then gets lost while out driving to the grocery store one day. […]
When an aging parent or other loved one needs full-time care, many of us feel duty-bound to become a family caregiver. This can be especially true for adult children of ailing parents – after all, our parents took care of our every need for years. Don’t we owe them the same thing? Choosing whether or […]
This post is part of our series for advisors to pass to their clients. Knowing more about your clients’ needs will help you to better serve them. Aging doesn’t have to be scary, and we here at Ashar want to help you provide the resources that policy sellers need to flourish in this chapter of […]
This post is part of our series for advisors to pass to their clients to help them understand life settlements. Aging doesn’t have to be scary, and we here at Ashar want to help you provide the resources that policy sellers need to flourish in this chapter of their life. Medical technology means that people […]
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 […]
get a secondary opinion® The Secondary Market for Life Insurance is a global market with a variety of institutional investors. It’s primarily comprised of private equity firms, pension funds, hedge funds, reinsurers, and global banks. In a life-settlement transaction, a policyholder sells an existing life insurance policy to an institutional investor for a lump sum […]
get a secondary opinion® The majority of Americans do not realize that they have a legal right to appraise and sell their life insurance policy, as well as certain types of annuities in the regulated Secondary Market for Life Insurance for an amount higher than the cash surrender value, but less than the death benefit. […]
get a secondary opinion® There are many situations where a policy owner, especially those focused on retirement, may wish to appraise and sell their life insurance policy for a cash settlement to fund lifestyle and caregiving needs. The most common occurs when the consumer makes a decision to stop paying the premiums on the policy […]
