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. […]
get a secondary opinion® At Ashar Group, our objective is to protect the interest of all parties throughout the settlement process. We believe that advisors need to be confident they are associated with a partner that fully understands the complexities they face today, both legally and ethically.
get a secondary opinion® As a secondary market best practice – Know who you are dealing with and whom they represent. Here is a quick overview of who does what in the Secondary Market Process: Insured/Policy Owner – First, of course, is the person or entity that has a policy that they want to sell. […]
get a secondary opinion® It’s an undeniable fact that an overwhelming number of life insurance polices never pay a death claim. Policy owners pay years of premium and then abandon a policy for pennies on the dollar. These lost opportunities should not be happening today because of the many options offered by the secondary market. […]
For Immediate Release Ashar Group announces the SMV®, Secondary Market Valuation for the Financial Services and Life Settlement Industry Orlando, FL – August 21, 2014 (Marketwire) Ashar Group today announced a new valuation standard for determining fair market value of life insurance policies in the Financial Services and Life Settlements Industry called the SMV®, or […]
get a secondary opinion® As clients get near the end of their policies, many factors begin to come into play. Changing investment needs may not allow time for their universal life policy to mature. Or they no longer need their term life insurance policy, or they just want to redirect premium payments and any cash […]
get a secondary opinion® Life Insurance and Annuities are assets, just like real estate, that have a market value based on supply and demand. If you decided to sell your home, you could sell it on the open market for a fair price to a qualified buyer. It’s the same with Life Insurance and Annuities. […]
