Policy value questionnaire results

WHAT THAT MEANS According to our experts, keeping the policy may be the best choice, and we would be happy to revisit the life settlement option in the future. If you need cash immediately, we can help determine if there are alternatives to consider. Let’s talk.

INDEPENDENT REPRESENTATION IS KEY Other life settlement resources may offer to sell your policy no matter what. At Ashar, the best interest of the policy owner is our only interest. If you feel selling the policy doesn’t make sense financially, we completely understand. We call it as it is and treat policy owners like we’d treat our own families.

NEXT STEPS We’ll reach out to discuss the opportunities that fit the current market.
WHAT THAT MEANS According to our experts, this policy appears to be outside the mainstream purchase parameters for most buyers in the market. We might have other alternatives. Let’s talk.

INDEPENDENT REPRESENTATION IS KEY There are two licensed parties in a life settlement transaction. The sell-side advisor who represents the policy owner’s best interest and the buy-side advisor who represents the buyer’s (institutional investor) best interest.

NEXT STEPS We’ll reach out to discuss the types of opportunities that fit the current market.
WHY ASHAR Ashar uses its own, one-of-a-kind, competitive auction platform to force institutional investors to compete for the policy. Like putting a house on the market, the more qualified buyers competing for the policy the better. Ashar is licensed as a fiduciary to represent the policy owner and do what’s in their best interest.

INDEPENDENT REPRESENTATION IS KEY There are two licensed parties in a life settlement transaction. The sell-side advisor who represents the policy owner’s best interest and the buy-side advisor who represents the buyer’s (institutional investor) best interest.

NEXT STEPS You’ll probably need more information before deciding whether this policy is the best option – so do we. It’s important we understand the specific situation to provide the most appropriate feedback. We’ll reach out with some questions.
WHY ASHAR Ashar uses its own, one-of-a-kind, competitive auction platform to force institutional investors to compete for the policy. Like putting a house on the market, the more qualified buyers competing for the policy the better. Ashar is licensed as a fiduciary to represent the policy owner and do what’s in their best interest.

INDEPENDENT REPRESENTATION IS KEY There are two licensed parties in a life settlement transaction. The sell-side advisor who represents the policy owner’s best interest and the buy-side advisor who represents the buyer’s (institutional investor) best interest.

NEXT STEPS You’ll probably need more information before deciding whether selling this policy is the best option – so do we. It’s important we understand the specific situation to provide the most appropriate feedback. We’ll reach out with some questions.
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Success Stories

Insured
Meet Maria, 80

Client outlived all planning and premiums were due
The adult children no longer needed to fund the caregiving needs.

Type of Policy:
Guaranteed UL
Policy Face Value:
$500,000
Cash Surrender Value:
$6,000
Life Settlement Value:
$197,000
Learn More
Insured
Meet Edna, 91

Donated policy to a charity ran out of cash value to pay premiums
Donor was able to create a living legacy and enjoy seeing the gift used while living.

Type of Policy:
Universal Life
Policy Face Value:
$350,000
Cash Surrender Value:
$4,500
Life Settlement Value:
$140,000
Learn More
Insured
Meet June, 84

Policy was underfunded and sitting in an ILIT
Eliminated future premium payments and used the funds for medical bills.

Type of Policy:
Survivorship UL - One Deceased
Policy Face Value:
$1,500,000
Cash Surrender Value:
$25,000
Life Settlement Value:
$475,000
Learn More
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