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® 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 […]
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 […]
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 […]
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. […]
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® 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 […]
get a secondary opinion® Prior to the emergence of the Secondary Market, advisors had few options to offer clients when they were deciding whether to surrender or lapse a policy. Fortunately, the Ashar Group offers advisors a free online tool called the Policy Value Quiz. It is designed to help you determine in a timely manner […]
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. […]
