Diane’s adult children were funding both her long-term care needs and maintaining her life insurance policy. However, an increase in cost of insurance was going to cause them to lapse the policy for the minimal cash surrender value. The long-term care facility recommended using Ashar Group to value the policy to uncover more potential value.
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.
On the verge of outliving his planned coverage
A life settlement created value and alleviated future premium payments.
Their needs had changed, and they no longer needed the policy
They were able to uncover significant liquidity and fund their retirement.