Turning Life Insurance Into Wealth: Jamie Mendelsohn on Monetizing Policies for Retirement and Giving cover art

Turning Life Insurance Into Wealth: Jamie Mendelsohn on Monetizing Policies for Retirement and Giving

Turning Life Insurance Into Wealth: Jamie Mendelsohn on Monetizing Policies for Retirement and Giving

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 Welcome back to Don’t Retire… Graduate! In today’s episode, we’re taking the mystery out of one of the most overlooked financial assets: life insurance. I’m joined by Jamie Mendelsohn, Executive Vice President of the Ashar Group, a nationally licensed life settlement broker dedicated to helping families, business owners, and institutions maximize the value of their existing life insurance policies. Jamie’s family business has been leading the way in educating advisors and policyholders since 2003, and she’s recognized as a go-to resource for anyone seeking a profitable exit solution for their policies. In our conversation, Jamie and I dive deep into the world of life insurance—far beyond the “death benefit” stereotype. We unpack the concept of treating life insurance as an asset, not just a checkbox or a forgotten document in a drawer. Jamie shares how the Ashar Group acts as an “auctioneer” for policies, helping clients leverage the secondary market for life insurance—often unlocking significant liquidity for retirement, long-term care, business needs, or philanthropic goals. We also discuss the importance of insurability, the little-known benefits of buying insurance early (especially for kids and grandkids), and how life settlements can empower policyholders to give while living, creating immediate impact for charities and loved ones. Throughout the episode, Jamie brings relatable stories and real-life scenarios that illustrate the life-changing potential of managing—rather than discarding—your life insurance policies. We wrap up with Jamie’s personal story and her authentic, heartfelt perspective on what she wants to be when she grows up, sprinkling in a few laughs, some Orioles nostalgia, and a reminder to see the value in assets you might be overlooking. 5 Key Takeaways:
  1. Life Insurance Is an Asset: Life insurance isn’t just “death insurance”—it’s a buy-and-manage asset that can be valued, sold, and leveraged for retirement, business liquidity, or charitable giving.
  2. The Life Settlement Market: Many policyholders don’t realize they can sell their policies in a regulated secondary market, often for more than the surrender value. This liquidity can solve long-term care needs, support philanthropy, or keep a business afloat.
  3. Insurability Matters: Buying life insurance for children or grandchildren can preserve their insurability for life, opening doors for future financial planning—even if health challenges arise later.
  4. Charitable Solutions and Giving While Living: Life settlements can fund significant charitable gifts, allowing donors to witness the impact of their generosity now rather than waiting for a bequest after passing.
  5. Don’t Throw Away Your Policy—Value It First: Before surrendering or lapsing a policy, policyholders should explore its market value. Life insurance can be worth tens, hundreds of thousands, or even millions—and could change the trajectory of a family, business, or community.

Join us as we build purpose, passion, and financial wisdom for every stage of life. Don’t forget to subscribe, rate, and share this episode with anyone curious about the real value of their life insurance policy! [embed]https://youtu.be/gETax_SPZTI?si=XD4ibrBWNxgXwCio[/embed]
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