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.
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.
Buy-sell agreements are frequently funded with life insurance, assuring that if an owner dies, the surviving family has a buyer with the cash to pay a fair price. Whether it's as stock redemption or cross-purchase agreement, it will help remaining owners retain control of the business.
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.
With flexible funding options, uncapped indices and and downside protection to eliminate market losses, IUL offers more than just a death benefit. Use the example in this flier to discover how to drive meaningful returns for your clients.
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.
Each business stage requires a different focus and set of tools and strategies to help business owners accomplish their goals. From startup, through growth, maturity and eventually business transfer, we can help you identify the issues you should be discussing with your client.
This a client-facing overview of ways a business owner can retain key employees. Moving from simple to complex, it covers endorsement split dollar, executive bonus with an option to add restriction and defined contribution supplemental retirement plan.
Clients often hate debt. But not all loans are bad. Super low interest rates and very favorable tax advantages have changed the game. See how fixed-rate loans, withdrawals from fixed loans, and participating loans can provide great sources of retirement income as needs arise.
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 the benefits offer risk protection from losses, to lock in gains in a sideways market.
Many Americans are "over allocated" to tax-deferred retirement assets like 401(k)s and IRAs, limiting future spendable income. The Insured Retirement Plan is contractually guaranteed against market losses and enjoys non-reportable tax-free income when accessed properly.
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 guide details everything you and your clients need to know to get started.
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!