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Concept Library

Uncover ideas you can take directly to your clients. Search and filter by business line, topic or type of concept. Download it. Print it. Learn it. Then contact us to discuss how we can help you implement the solution for your clients.

Our concept library is primarily intended for financial professional use only and is not to be reproduced or shown to clients. For pieces to use with your customers, check out the client-approved category.

Funding Long-Term Care with Idle Assets

For clients with assets that are not generating key income, a great conversation starter is "What is your goal for this money?" If the discussion follows the path we commonly see, a few more questions could lead to a more suitable product solution. Follow this flowchart for more.

A to Z Guide to Life Insurance

This comprehensive, educational resource covers the basics of life insurance and more. After discussing the need, purpose and types of life insurance, you'll learn about the application and underwriting process, as well as policy customizations, loans, taxation and more.

Ash Life Audit Essential Sample Output

After an Ash Life Audit analysis process is complete, you'll receive a comprehensive report of findings and recommendations. The Essential Output is a simplified summary that includes current policy information and alternatives in a format that's easy-to-review with clients.

Ash Life Audit Advisor Guide

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.

Ash Life Audit Consumer Guide

Life changes. Constantly. Has your client's life insurance coverage changed with it? Does their existing life insurance coverage meet their current needs? This rack-card-style guide to the Ash Life Audit helps clients consider if now is a good time to have you review their policy.

The Ash Life Audit Process

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.

Three Paths to Tax-Free Income

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.

Finding the Funds for Long-Term Care

If a client agrees that LTC is something they want to address, you have to find a source of funding for a solution. Below are four quadrants of assets you can use to pay for long-term care insurance coverage, including cash flow, nonqualified, qualified and idle assets.

Identifying LTC Opportunities: Clients in their 60s

Health care, including long-term care, is a regular topic of conversation for people in their 60s. It comes up around the dinner table. And it needs to come up in your planning conversations. But these clients don’t just need talk – they need action. Help them create an LTC plan.

Underwriting with Life PreView

With Life PreView, you can email or text your clients a personalized, secure questionnaire to get an accurate snapshot of their health history. It ensures you have the right product, with the right carrier, quoted at the right price – no awkward conversations, delays or reselling needed.

Accelerated Underwriting Fluidless Carriers

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.

Business Continuation General Partnership Buy Sell

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.