get a secondary opinion® In a client-advisor relationship, the advisor is at an advantage, which is why it’s an advisor’s fiduciary responsibility to act in good faith for the client’s benefit. And this is more than the right thing to do; in many situations it’s the law. For example, according to The Employee Retirement Income […]
get a secondary opinion® Many changes can happen to seniors as they get older, which is why the ability to provide them with the services and support for those you love. Here are some links that you may find helpful as you deal with senior care and all the financial and emotional complexities that come […]
get a secondary opinion® For a client considering a Life Settlement, they trust their advisor to serve their best interest. When seeking a life settlement that means a responsibility to obtain the best value for their client with their policy. This is not to be taken lightly, because when clients are looking to a Life […]
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 […]
