get a secondary opinion® The Secondary Market has changed the way we think about life insurance and planning, and cannot be overlooked for a family, individual or business entity who are contemplating any change in a life insurance policy. Before the emergence of the Secondary Market for life insurance, individuals with impaired health were unable […]
get a secondary opinion® Ashar’s proprietary SMV®, Secondary Market Valuation, is a unique analysis performed by Ashar Group to assess the fair market value of a life insurance or annuity asset for planning purposes. How does this help your customers?
get a secondary opinion® A life settlement is a financial transaction that enables a policy owner to appraise and sell their life insurance policy. Similar to a piece of real estate or other valuable assets, the client can sell their policy to a third party for an amount higher than the cash surrender value, but […]
get a secondary opinion® Real Estate and Life Insurance/Annuities have a lot in common. More than you might imagine. Both are valuable assets, both have a market value that can be hidden from view until evaluated, and both respond to the forces of supply and demand. Most importantly, if you decided to sell your home, […]
get a secondary opinion® Clients rely on trusted professionals to provide objective guidance and recommendations. Many times you are required to make decisions that are in your clients' best interests during an emotional time in their life. We understand the importance of serving your clients, protecting your reputation, and growing the assets of all parties.
get a secondary opinion® Now we come to the determination of whether it’s time to consider a life settlement. This is something you can quickly determine by taking a Policy Value Quiz. It’s a quick 7-question screening tool that will help you determine if a life insurance policy may qualify for a Secondary Market Solution. […]
get a secondary opinion® There comes a time for anyone with a life insurance policy to make the decision to surrender the policy to the insurance carrier or sell it on a secondary market. There are many factors involved when making this big decision, because a large amount of money could hang in the balance.
get a secondary opinion® Historically clients have always had their assets and property appraised. Would a client ignore valuable real estate, artwork, or jewelry? Life insurance policies are both assets and property that may have a Secondary Market Value that greatly surpasses the cash value. How will the client know what it’s really worth if […]
get a secondary opinion® To fund or not to fund, that is the question. Policies owned in Irrevocable Life Insurance Trusts account for over 50 percent of the policies we review at Ashar Group. The statistics are staggering regarding the amount of insurance in trusts that have been ignored or underfunded. A common scenario we […]
get a secondary opinion® Clients rely on trusted professionals to provide objective guidance and recommendations. Many times you are required to make decisions that are in your clients' best interests during an emotional time in their life. We understand the importance of serving your clients, protecting your reputation, and growing the assets of all parties. […]
