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.

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.

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.

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.

Estate-Equalization-for-Business-Owners
Estate Equalization for Business Owners

Business owners are a common candidate for estate equalization because assets are often tied up in their business. When they have multiple children with varying levels of involvement in the business, life insurance can help make bequests equal AND keep the business intact.

Understanding QLACs

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.

Understanding Medicare Solutions

Whether or not Medicare is your focus, it's something your clients need. Find out more about how easy it can be to add Medicare solutions to your portfolio.

5 Simple Steps to Talk About DI

A DI conversation about paycheck protection doesn’t have to be complicated. You just need to be prepared for what clients are likely to say. This five-step plan will give you key questions to ask – and the confidence to bring up disability insurance in your next appointment.

Leverage Idle Business Assets with a Succession Plan

When a business owner has significant idle cash and no clear succession plan, life insurance can help. A one-way buy-sell agreement, tied to a high cash value policy can help an owner to protect their business while simultaneously increasing value in a low-risk manner.

Term Life Demographics

With Ash Term Express you have a good chance of getting the right coverage for each client. For each age demographic, we’ve pulled out the carriers that generally have the best placement rate and cycle time to approval for both accelerated and traditional underwriting.

Create a Conversation - Volatile Market 

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.

Removing Pension Liability

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.