The Transaction Process

The transaction process for determining the fair market value for a life insurance policy is very similar to a real estate transaction; a process familiar to most consumers. The great news is that a health exam is not required. The Secondary Market for Life Insurance is a global market with a variety of institutional investors.  The buyers who offer fair market value for a client's policy are comprised of institutional investors such as private equity firms, pension funds, municipalities, hedge funds, reinsurers and global banks. Due to legitimate privacy, legislative and industry concerns, it is imperative to secure the services of an experienced and knowledgeable broker to help handle the case design, presentation, negotiation, and the closing process. Ashar’s team is widely considered the most respected and technically proficient in the industry.  Our approach to the transaction process is more robust than others and protects all sides of the negotiation.


During the pre-screening process, basic medical and policy information is analyzed and the potential market value is estimated. If the estimated value meets the clients' expectations, the decision can be made to move forward.

Underwriting – No exam required

The insured does not have to go to the doctor. Medical records of the insured are collected from the last five years and a current illustration is obtained. If any new developments are uncovered by underwriting the case is re-priced.

Policy Pricing

Ashar facilitates the process to decide which third party life expectancy company to use (or multiple) and then completes an internal analysis to interpret the information to confirm accuracy.

Agree on Listing Price

At this point in the process, Ashar presents the offers to the advisor and explains details, relative strengths and weaknesses of the buyers and any alternatives.

Negotiation And Offer Acceptance

Once the most suitable offer is selected, Ashar negotiates any details. The offer is accepted in writing and negotiations close.

Contracts Signed

Approved contracts are issued and Ashar assists the insured, policy owner and advisor in the executing the documents.

Settlement Delivered

Once the reviews and due diligence are completed, the lump sum to the policy owner is placed in a 3rd party escrow account, a change of ownership form to the insurance carrier is initiated and the seller receives the funds.
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