def: (ash-er) “do what is right and you will be blessed”

Who We Serve

Financial Professionals & Fiduciaries

Clients Have Questions. We Have Answers.

We provide answers to the questions your clients are asking – “What are my options if I no longer need or want to pay for my policy? What is my policy worth?” Our life insurance valuation options arm you with the information needed to deliver comprehensive planning solutions. If a life settlement is the best path for your client, we will guide you through the process so you can focus on what you do best.

Exchange existing life insurance for cash today.

Decisions made easy.

Find out if a life settlement is the right path for your clients.

Should You Keep or Sell Your Life Insurance Policy?

Did you know you can sell a life insurance policy for cash? A life settlement offers a significantly higher value than simply letting an unneeded, unwanted or unaffordable policy lapse. Whether you are a policy owner or a loved one looking for options, the first step is to determine its value. Our sole responsibility is to you – the policy owner. We ensure you get the unbiased information you need to determine the right path and deliver the best possible outcome.

Your life insurance policy is an asset and should be valued.

Decisions made easy.

Find out if a life settlement is the right path for you.

National Partners

Relationships Matter.

You’ve likely spent decades building relationships on a foundation of trust. Ashar deliberately partners with organizations that share similar values of serving clients’ best interests and a dedication to compliance and transparency. This includes honoring the relationships companies have built with their clients and ensuring our actions help protect those relationships.

As a life settlement fiduciary, we represent the policy owner and sit on the same side of the table as financial professionals and the clients you serve.

Education Made Easy.

Learn more through our library of blogs, articles, and videos.

Who We Serve

Planning Professionals Policy Owners National Partners

What We Do

About Us

How We're Different Our Values We Are Ashar

Success Stories

Knowledge Center

NEWS RESOURCES General FAQs

Contact Keep or Sell?

def: (ash-er) “do what is right and you will be blessed”

Who We Serve

Financial Professionals & Fiduciaries

Clients Have Questions. We Have Answers.

We provide answers to the questions your clients are asking – “What are my options if I no longer need or want to pay for my policy? What is my policy worth?” Our policy valuation options arm you with the information needed to deliver comprehensive planning solutions. If a life settlement is the best path for your client, we will guide you through the process so you can focus on what you do best.

Exchange existing life insurance for cash today.

Decisions made easy.

Find out if a life settlement is the right path for your clients.

Should You Keep or Sell Your Life Insurance Policy?

Did you know you can sell a life insurance policy for cash? A life settlement offers a significantly higher value than simply letting an unneeded, unwanted or unaffordable policy lapse. Whether you are a policy owner or a loved one looking for options, the first step is to determine its value. Our sole responsibility is to you – the policy owner. We ensure you get the unbiased information you need to determine the right path and deliver the best possible outcome.

Your life insurance policy is an asset and should be valued.

Decisions made easy.

Find out if a life settlement is the right path for you.

National Partners

Relationships Matter.

You’ve likely spent decades building relationships on a foundation of trust. Ashar deliberately partners with organizations that share similar values of serving clients’ best interests and a dedication to compliance and transparency. This includes honoring the relationships companies have built with their clients and ensuring our actions help protect those relationships.

As a life settlement fiduciary, we represent the policy owner and sit on the same side of the table as financial professionals and the clients you serve.

Education Made Easy.

Learn more through our library of blogs, articles, and videos.

Who We Serve

Planning Professionals Policy Owners National Partners

What We Do

About Us

How We're Different Our Values We Are Ashar

Success Stories

Knowledge Center

NEWS RESOURCES General FAQs

Contact Keep or Sell?

Differentiate in a Crowded Marketplace

How do you make a decision about any asset without first knowing its value?

Longevity Analytics: crossover analysis to help make planning decisions
Life Insurance Valuation: determine what the policy is worth
Life Settlements: facilitate a competitive auction and leverage offers from multiple buyers

We're here. Every step of the way.

01

Estimate of Value. Timeframes. Reason for Engagement.

We provide an informal appraisal of the potential fair market value of the policy by analyzing basic medical and policy information, completing financial modeling, and applying a range of longevity assumptions. This helps determine if this range of value meets the policy owner’s expectation level.

02

Underwriting

No Medical Exam Required

A thorough review of medical records by in-house longevity experts, and complex data modeling by certified valuation analysts prepare and position the policy for market negotiations.

03

Price Discovery and Negotiations

Using vast life insurance knowledge, expert negotiation skills, and long-term relationships with top regulated institutional funds, the policy auction platform is leveraged to create competition and uncover the fair market value.

04

Contracting

Similar to a real estate transaction or any asset sale, due diligence is performed, and state-approved contracts are signed in preparation for the change of ownership to the regulated institutional buyer and release of funds to the policy seller. Escrow agents and consumer disclosures are a standard practice in the transaction process.

05

Stellar Results

The settlement proceeds are delivered to the sellers to use in any way they wish. Whether the funds are used to optimize retirement options, pay for medical bills or long-term care, generate liquidity for a business, or alleviate cash flow problems, the result is financial independence and relief of financial pressure on families.

Should you keep or sell your policy?

Take our 2 minute questionnaire to explore if selling your life
insurance policy is the right call.