Protection Products

Your First Client? Your Family.


I don’t know about you, but this is my favorite time of year. I love spending time with my family, partaking in our annual traditions of eating way too much and playing board games for hours. Every family has at least one tradition. Of course they vary from family to family, but what they all have in common is sharing love and time with the people you are closest to. 

With the holidays and the end of the year coming up, many of us will spend time reflecting. What could we have done differently? How can we grow personally or professionally? More importantly, what will we do in 2016? How can we impact more lives?

Well, have you thought about the impact you have on the people closest to you – your family? 

Many of us try hard to leave work at work. We enjoy our free time and try and not let the pressures of what is waiting for us back in the office get in the way. But sometimes, it might be OK to mix your work and your family. 

In our business, it’s all about making sure everyone is protected, in one way or another. So, your biggest client base should be your family! And what about your personal plans? Have you taken the steps to make sure the people you care for are protected no matter what happens? 

Put it in Practice

We spend countless hours, days, months or even years making sure clients are properly protected. Let’s be sure the people we love have their needs met, too. 

Meghan Cormany’s focus within the Disability Marketing team is to find available coverage for tricky medical cases. She has worked exclusively with Ash’s Disability Marketing Team for more than seven years, so she brings experience and knowledge of individual and business-related disability products and case design, along with medical underwriting with our carriers. 

Put Families First with Business Planning


In the Advanced Markets Department, we most commonly work on cases involving family owned businesses. A death is always hearbreaking for families, but the death of a small business owner can have an especially devastating impact. Without proper planning, there can be a lot of headaches and friction among relatives and business partners. 

Unfortunately, fewer than 30 percent of business owners have a written succession plan in place. A complete plan looks at many factors, both financial and personal, but at minimum, business owners need three things: 

  1. Buy-sell agreement – A written arrangement that directs what happens to the ownership of a business and how the business is valued for the purposes of the sale. Just like a will in estate planning, this document addresses the business owner’s wishes. With no documentation, the wishes may never come to reality. 

  2. Funding for the agreement – In order to have a buyout and successful transition of the business to the new owner(s), capital is needed. Life insurance is an obvious source of funds that are guaranteed to be there exactly when needed. 

  3. Regular reviews – Once a business owner has a documented buy-sell agreement and proper funding, it’s important to periodically review the agreement and funding mechanism. Priorities and objectives can change over time, and periodic reviews can ensure everything consistently reflects the owner’s current wishes. 

Put it in Practice

You could spare the families of your business owner clients a lot of heartache and headaches. Have you asked about their succession plans lately? Be sure they have the proper documents and funding – and be sure they’re up to date.  


As an advanced marketing consultant, Brian takes on complex business and estate planning cases. Prior to joining the Advanced Markets team at Ash Brokerage, he helped to develop, direct and staff its Life Insurance Portfolio Analysis (formerly known as Life Insurance Audit) program, taking it from an initial marketing concept to a profitable operational arm of the life insurance sales division. 

A Year of Memories


As we reflect back on the year, as most of us will before setting our goals for 2016, we’ll remember a lot of things – good and maybe not so good.  

Here in Indiana, we started 2015 with a very cold winter and record snow fall. It can be easy to remember how miserable we were shoveling snow or putting on layer after layer of clothing just to take the dog outside. But, think about the good memories. Maybe you built snowman and made snow angels with your kids. Or maybe you put in some miles cross country skiing with your best friend. 

We were all so eager for spring to come, then summer. But in our area, June was nearly rained out completely! We may not have cared for the wet weather, but our flowers sure appreciated it. I spent many hours talking about gardening with my mom and grandma. Did you plant flowers or a garden with your family? Or maybe you cooked a family meal with the plump vegetables from the farmers market. 

When the skies cleared, summer came and went with only a handful of days in the 90s. For my family, that’s perfect running weather. Our most favorite runs are around the lake with the rolling hills. There were lots of bon fires, cookouts, and outdoor music to enjoy with family and within the community. Did you take a family vacation? Or maybe you just spent some time together while the kids or grandkids were on summer break – school always seems to start too soon. 

Now, the leaves have fallen from the trees and we’ve come full circle, wrapping up another year. We will be gathering with friends and family more through the holidays than any other season. But isn’t that one of the reasons why it’s the most wonderful time of year?

Put it in Practice

As you look back on 2015, remember the good times with family and friends. It’s a wonderful and inspiring way to start the New Year. 

Emily Osborn’s focus within the Disability Marketing team is to illustrate available coverage for clients who need individual or business-related disability insurance. She has worked exclusively with Ash’s Disability Marketing Team for almost one year, and is always ready and willing to help however she can.