The Ash Brokerage Annuity Audit looks at your clients’ current objectives and today’s marketplace offerings to help you reaffirm their purchase or uncover new options. It can help your business:
The Annuity Audit is an easy, effective process that helps you build trust with new clients or deepen your existing relationships.
Our team will save you valuable time by helping you prepare for your client’s annual reviews with the complimentary annuity analysis.
Use the Audit as a conversation starter to break the ice with key prospects or uncover new assets from existing clients.
Clients get answers and assurance. You get a simple, yet thorough, addition to your business. Contact us at (800) 589-3000 to get started!
You'll need to obtain a current copy of your client’s annual annuity statement in order for us to get the correct contract details
Every analysis starts with discussing how your client's goals may have changed — start by completing the Annuity Audit Fact Finder
We'll do all the hard work of reviewing the annuity contract and providing a detailed report — if you have any questions just contact our team
After the analysis is complete, you’ll receive a comprehensive report of summaries and recommendations. You’ll see whether the existing contract is still a good fit, or if there is another solution that would better fit their current needs.
Our team will review the report with you and discuss the results – so you have all the information you need to make a recommendation to your clients.
After an Audit, your client will potentially be able to:
- Lock-in gains
- Diversify assets
- Increase guaranteed income
- Reduce portfolio risk
- Reduce fees
- Confirm proper beneficiary designation
- Provide potential tax reductions for beneficiaries
- Uncover bond alternatives
- Protect assets in a rising interest rate environment
- Reduce longevity risk
- Add optional benefits and riders
No contract is too outdated. If there’s coverage out there, we can review it. And, when necessary, we’ll find a way to bring it up to speed.
There are many reasons to buy annuities. They can provide guaranteed income for life, a way to provide for loved ones, tax-deferred growth potential and help with long-term care costs.
As your client’s needs and goals evolve over time, their annuity selection should be reviewed to ensure they are aligned for success. The Ash Annuity Audit team will help determine if the current annuity contract still meets the goals of your client or offer solutions that may enhance their evolving needs.
There are higher risk products with potential for higher returns, and products with lower risk and lower returns. Somewhere in between, fixed annuities and fixed indexed annuities (FIAs) provide a strategy for any market – to protect assets while providing potential for additional interest.
Required minimum distributions from a retirement account can be used to fund insurance products – potentially offsetting or even eliminating taxes on the assets. In this case, purchasing a survivorship universal life policy created a 4x return in total legacy with charitable contributions.
Find the best fixed annuity that you should be selling. Rates are key, but the carrier ratings, product features and overall service make all the difference. Use this weekly sheet to make the sale with our best-in-class fixed annuity product picks.
Qualified longevity annuity contracts (QLACs) were introduced in 2014. Adoption has been slow due, but a QLAC remains one of the best tools to improve the probability of retirement success. See the results of our annual performance study and how it can help your business grow.
In this conversation card, you're looking for risk-averse clients who are nearing or currently in retirement. These clients want their money to grow tax-deferred, but feel uneasy about market swings. A fixed indexed annuity (FIA) can help mitigate the risk while offering strong returns.
Pension plans have been creating financial havoc for years. Volatile balance sheet liabilities, increased government fees, high professional fees and looming required contributions are causing sponsors to want to shed their pension plans. The answer to de-risking lies in the approach.
Every advisor needs a sustainable marketing strategy to win prospects. Pension Risk Transfer (PRT) marketing is one way to do it. We help you generate income in the defined benefit plan termination market by identifying prospects, accessing technical expertise, and deliver solutions.
In this conversation card, you're looking for clients who are concerned about rising rates, inflation or market risk. But they still want higher returns. With a fixed indexed annuity (FIA), clients can have no risk of loss while providing the ability to meet or exceed inflation.
Substituting an annuity for a portion of an allocation to bonds can increase wealth, especially given today’s low interest rate environment. This study, co-authored with the JourneyGuide planning software, shows five examples of how to supercharge asset accumulation.
A permanent life insurance policy could be one of the most valuable assets your clients own. You can be confident their policy is performing to its full potential with the comprehensive Ash Life Audit. This piece provides a brief overview of the benefits and the audit process.
If your clients are holding all their retirement assets in defined contribution plans or institutional IRAs, they’re at a financial disadvantage. See why these plans can cause problems if your client has enough assets to begin to consider individualized financial and estate planning.
In years when the S&P 500® Index is negative, fixed indexed annuities (FIAs) can be a client's hardest-working asset. Supported by a minimum guarantee, FIAs provide an opportunity to accumulate value on the appreciation of the S&P, without losing premium when the S&P was negative.
We’d love to hear any questions you have about the Ash Annuity Audit process. We're your go-to retirement experts — ready to walk you through reviewing your clients' contracts.