Whether you’re a seasoned insurance professional, or a planner looking for new ideas, you’re in the right place. We’ll help you with the ins and outs of the insurance process, arm you with easy ways to gain new clients and give you a platform to deepen existing relationships. We’re the key employees for your team who you didn’t know you were missing.
With Ash, you’re not a number. We’re partners who will get to know your business, find ways to help you execute on insurance solutions and be advocates for your clients. Sure, we have software that helps manage your client profile, but we also ask how your daughter’s soccer game went because we cultivate real relationships.
Everyone likes an easy win — especially when it helps your clients. From policy review and client seminars, to practice management and lead generation, we provide resources to help you make stronger connections. We make the insurance process so easy that you can devote time to look ahead for your next opportunity.
We'll help you find some friendly faces who can answer your questions or get you to someone who can.
No matter the financial goal, there's always a creative approach. Tax diversification. Legacy and estate planning. Retirement income. Long-term care planning. Business-owner solutions. Income protection. Browse our library of sales concepts to uncover new planning strategies for your client's unique opportunity.
Getting protection for your clients’ long-term health shouldn’t start with a traditional insurance quote. LTC is a discussion about lifestyle, family and how clients want to spend their final years. Use this roadmap to increase the likelihood of finding peace of mind.
Fluidless, accelerated, express, simplified – no matter the words you use, one thing is certain: More and more insurance companies are offering streamlined underwriting processes. This cheat sheet will give you an overview of the programs available and if your clients qualify.
With a spousal lifetime access trust (SLAT), one spouse makes a gift to an irrevocable trust using the gift tax exemption. The SLAT names the other spouse as a current beneficiary, which allows the trustee to distribute funds to the beneficiary spouse during their life.
Known as AG49, Actuarial Guideline 49 was designed to limit illustrative interest rates and income projections shown to consumers. This summary defines key terms and explains how illustrations differ after AG49.
Looking at an indexed universal life policy, some get hung up on the fact that the IUL’s cap rate could be changed by the issuing insurance carrier. But the IRS also can change capital gains tax rates on clients' nonqualified investment accounts.
Clients have questions about DI. How does a policy pay them? For how long? How much can they purchase? What will it cost? How do they qualify for benefits? Before discussing individual disability insurance, make sure you know the answers to these five commonly asked questions.
This guide leverages the foundation of a tax-efficient, diversified strategy in your client’s existing retirement portfolio. We call it a Section 7702-based plan because cash value life insurance follows a unique tax treatment defined in the IRS Code.
Life insurance may be your client's most valuable asset class. It has tax-deferred growth, tax-free income and a tax-free death benefit, with no annual IRS contribution limits or RMDs. See how you can position the benefits to lock in gains in a sideways market.
Your client's portfolio needs a tax-free bucket. As you look at the history of top income tax rates, which direction do you think future rates will go? As taxes rise, it's important to mitigate tax liabilities during retirement by diversifying assets for tax-free access.
Many Americans are over-allocated to traditional, tax-deferred retirement assets like 401(k)s and IRAs. When taxes increase, they may be taxed as ordinary income. Guide them to tax-free income in their portfolio with a balanced risk profile guaranteed against market losses.
Same contribution. Different outcome. When factoring in fees, portfolio turnover and taxes, can an investment account match the after-tax spendable income a permanent life insurance policy? Diversify a portfolio by using an IUL's cash value for retirement income.
There's a misconception that the fees and commissions of cash value life insurance make it difficult to accumulate wealth. This piece breaks down an indexed universal life (IUL) policy by premium expense, cost of insurance (COI), coverage charge and admin charge.
An absolute gem to work with on the application process. Your team walked me through every step, and I cannot express how grateful I am to have you as a resource!