Experience is a hard teacher, the test is given first and the lesson is afterward

LTCI Now, LLC
LTCI Now, LLC

FINALLY!
Affordable Long Term Care Protection!
&
Life Settlement Broker

Get the right plan for peace-of-mind!

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Exclusive Partner in the life settlement market

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The Ashar Group

Ashar Group, LLC serves as a strategic partner and complete solution  specialist in the Secondary Market.  We are a team of highly skilled experts who work on behalf of financial  advisors, trustees and other financial practitioners to find, negotiate  and secure the true market valuation for their clients' life insurance  policies in the secondary market. Our unparalleled staff of  professionals combines years of experience in the Life Settlement  market.  We are committed to attending to the needs and welfare of each  individual client. We pride ourselves on integrity and the ability to  identify the viability of a potential case quickly.  Relationships and communication are the foundation for your experience  with the Ashar Group. We understand that communication is the key to  developing a profitable business for advisors in today's competitive  market and we pride ourselves on being proactive, diligent and  transparent.  As economic and demographic circumstances emerge to create a demand for  liquidity and cash flow solutions, Ashar is well-positioned to meet  those needs head on. 


Why Ashar?  As Secondary Market Specialists with over 15 years of experience in this  unique and evolving sector, Ashar helps clients appraise, negotiate and  monetize their life insurance and annuity assets with extraordinary  care and professionalism. To accomplish this goal consistently and  without compromising our advisors' reputations or time, we leverage the  following critical factors:  1. The Power of Relationships  We're in it for the long haul. Because of our approach and track record,  Ashar enjoys preferred status with institutional funding partners,  advisors and industry experts. Our meticulous reputation, precision and  experience are always a value to our clients.  2. Protected Advisor and Client Experience  We understand the advisor's world. We know that in order to preserve the  relationship with the advisor, our role is to enable the advisor to  serve the client. It is this insight that propels us to create smarter,  simpler solutions and deep support for our clients.  3. Secondary Market Insight  The secondary market is evolving quickly. Ashar is positioned to serve  advisors and their clients in the coming decades. Our industry  experience, preferred status and unique offerings enable us to deliver  consistent and trustworthy results to our clients.    

Life Settlement FAQs

  

  • What is a life settlement?

A life settlement is a financial transaction in which a policyowner sells his or her life insurance policy to a licensed life settlement provider for more than its cash surrender value.

  • What types of life insurance policies qualify?

Most types of life insurance qualify, including universal life, whole life, variable life, survivorship, group life and even term life.

  • Can I sell a portion of my life insurance policy?

It is possible to sell your policy, eliminate premium payments and keep a portion of the death benefit.

  • How can a life settlement help me?

Selling your policy can supplement your retirement income, free up cash that was being used to pay premiums, fund a long-term care policy, cover unexpected medical expenses or pay off debt. In fact, you can use the money for anything you choose.

And if you still need insurance, you can retain a portion of your coverage while eliminating your ongoing premium payments.

  • How much could I expect to receive if I sell my policy?

Policyowners who choose to sell their policy receive on average more than four times what they would receive from surrendering their policy back to the life insurance company (London Business School Study, June 2013). Every case is different, however, and the size of the payment is determined by variables such as your health, the type of insurance policy you have and the policy’s premiums.

  • Do I qualify for a life settlement?

If the face amount of your life insurance policy is at least $100,000 and you have had a change in health, you may qualify to sell your policy.

To learn whether you are eligible to sell your policy you can call us at 877-LTCINOW or 877-582-4669.

  • Can I use the cash from selling my policy any way I want?

There are no restrictions on the use of the proceeds. Many policyowners use the money to fund long-term care insurance, cover medical costs and/or supplement their retirement income. The choice is yours.

  • How are life settlements taxed?

The Tax Cuts & Job Act of 2017 (TCJA) simplified the tax consequences of selling your policy. Unless an exception is met, the sale proceeds will be taxed as follows:

  1. Tax Free – Proceeds you receive up to your tax basis      (i.e., the total amount of premiums you paid over time) are not taxable;
  2. Ordinary Income – Proceeds you receive in excess of      your tax basis up to the amount of your policy’s cash surrender value are      taxed as ordinary income; and
  3. Capital Gains – Remaining proceeds are taxed as capital      gains.

However, for insureds who meet the IRS definition of “terminally ill individual” or “chronically ill individual,” the entire amount of the sale proceeds can be received tax-free1.

  • Is my information kept confidential?

Keeping your personal information private is extremely important to us.

Viatical Settlement Financial Assistance

American Life Fund

Now  there is a new financial solution to help those with a Life-Threatening  Illness, such as Cancer. Through this stressful time, you can actually  sell all or part of your life insurance policy for immediate cash and no  longer have to pay the premiums.


Why Sell Your Life Insurance Policy?

  • Pay Medical Bills
  • Pay Living Expenses
  • Replace Loss of Income
  • Immediate, Tax Free Cash
  • Easy to Fill Out Application

How to Qualify

  • Individual with late-stage cancer or a life-threatening illness
  • Currently own an existing life insurance policy valued at $100,000 or more
  • Term, Group, Whole Life & Universal Life Policies

Example Illustration:

  • A person with Stage IV cancer diagnosis
  • Life insurance policy with a face amount of $200,000, but only wants to sell $100,000 of the existing policy
  • An offer of 70% ($70,000) is presented for the purchase of the life insurance policy.

Schedule Your Free Assessment Today!

Click for video on website; Referral Code on Application is "LTCI"

Click for video on website; Referral Code on Application is "LTCI"

Why Long Term Care Insurance?

Attorney - Harley Gordon

  • Nationally recognized Expert on Long-Term Care
  • 35 Years Helping Families Plan
  • Founding Member of the National Academy of Elder Law Attorneys

About Us

Protecting Futures

We have years of long term care insurance experience helping clients prepare for the unknown. Ask us about:

  • AFFORDABLE Long Term Care Protection
  • Long Term Care Insurance
  • Hybrid Life Insurance Policy (Chronic, Critical & Terminal illness Coverage)

We can access many different insurance products so you can get the right one for you.

Assessing Need

Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.


Building Relationships

Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-earned assets.

Our Team

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Rod Milliman, Managing Member

After graduating from University of Southwestern Louisiana (USL) now ULL, Rod began his career in insurance June 1990 in the field of Health Insurance.  In 1993 he pursued an opportunity in the medical supply business and started a company called Healthcare Warehouse.  Over a span of 12 years the business grew to be very successful.  In 2008, Rod sold his interest in Healthcare Warehouse to pursue other business ventures.  After investing in various opportunities, he began a career in the Insurance industry again, this time specializing in Life Settlements and Long-Term Care Insurance.  He has been married to Lynn Milliman since 1994 and they have 2 daughters, Taylor who is a RN at Our Lady of The Lakes Hospital in Baton Rouge and Haylee who graduated from LSU in Accounting and is currently in Law School at Paul Hebert School Law Center on the LSU Campus in Baton Rouge, LA.


Long Term Care Insurance, Hybrid & Traditional

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Hybrid Life Insurance

 

INCOME YOU CAN COUNT ON, WHEN YOU NEED IT MOST.

                                   

Using your life insurance to help pay "Living Benefits".  With today's new life insurance coverage, you are able to cover long term care chronic illness, critical illness such as cancer, heart attack & stroke and more.  This benefit come with permanent and term life insurance policies.

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Long Term Care Coverage

 We can look into several ways of covering the expense of an extended stay event.  One way is with a Single-premium tax-deferred annuity with qualified long-term care benefits for non-qualified funds only.  We also have long term & short term care insurance policies.  These all cover  services like Home Care, Home Health Aide, Home Maker Services, Chore Services, Nurse & Therapist, Personal Care, Respite Care, Adult Day Care, Assisted Living Facility, Bed Reservation, Nursing Home Facility and Hospice Care. 

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"AFFORDABLE" Long Term Care Protection

Additional Information

 

Our Solutions for Protection.  Your Choice

  • Benefits  are paid directly to you, or a medical provider that you designate, and  are paid in addition to any other health care coverage.  The benefits  and premiums for this plan will vary based on the plan options selected.


Benefits include, Daily Nursing Facility including assisted living and Bed Reservation


The Benefits Available:

  • up to $300 daily maximum
  • choices of covered days: 90, 180, 270 or 360 days
  • with a lifetime maximum equal to twice the number of covered days
  • with choice of waiting periods:  0, 20, 100 days
  • issue age 50-89 (age of last birthday)


Optional Home Care Rider


Benefits Available:

  • up to $1200 weekly maximum
  • with choice of covered weeks:  13, 26, or 52 weeks
  • with a lifetime maximum equal to twice the number of covered weeks
  • issue age 50-89 (age of last birthday)

This rider pays a benefit for each week you receive 3 or more professional home care service visits of at least one hour per visit in your home, provided you cannot perform 2 or  more ADL's or you have cognitive impairment.

Learn More

For more information, go to Contact Us and click on "Schedule a Free Assessment"

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LTCI Now, LLC

1900 North 18th Street, Suite 205 , Monroe, Louisiana 71201, United States

877-LTCINOW (582-4669) (318) 348-9378

Hours

Monday - Friday: 8:30am - 5pm

Saturday: 9am - 4pm

Sunday: Closed

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