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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. Client-facing pieces are subject to your broker-dealer review.
With a variety of available disability insurance plans, you’ll be able to help clients in a variety of different occupations and circumstances, including business owners, find the best income protection solution.
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.
Every advisor needs a sustainable marketing strategy to win prospects. Pension Risk Transfer (PRT) marketing is one way to do it. We help you generate income in the defined benefit plan termination market by identifying prospects, accessing technical expertise, and deliver solutions.
Reviewing your business owner clients’ buy-sell agreements is essential as our industry evolves. Specifically, learn more about how the recent decision in Connelly vs. the U.S. could impact buy-sell agreements funded with life insurance, and how to get ahead of any unwanted surprises.
Helping your clients plan for long-term care is important. Don't navigate it alone. With Ash's resources, you can get the expertise you need from start to finish to ensure your clients spend their final years the way they want. From training and client consultations to assistance with the application, we've got you covered.
Using a portion of assets, clients could get the certainty of a contractual guarantee of an insurance company, higher than 4%. Then, use that guaranteed income to provide a guaranteed return of their investment principal through a life insurance contract.
Knowing the restrictions and requirements for linked benefit solution underwriting can be a challenge. But this quick reference guide can get you started. By identifying the most common ineligible conditions, you can easily determine if your clients can continue with the process.
Group long-term care coverage can provide lower rates and simplified underwriting for employees – as well as tax incentives for a business. This tutorial walks through the benefits, funding options, who receives the benefit and the potential tax deductions for the company.
This is your LTC opportunity finder for clients in different life stages. Clients in their 40s have different concerns than clients in their 70s – and a personal experience with long-term care can propel a buying decision. This guide helps identify which demographics to start talking to.
Non-spouse beneficiaries of an inherited IRA must take all IRA assets as distributions within 10 years of a death. By purchasing a survivorship life insurance policy and taking systematic withdrawals from the IRA balance, clients can mitigate tax burdens.
Do you know anyone sitting on their existing nonqualified annuity even though they do not need it for income during retirement? See how this couple transferred their nonqualified annuity to a linked benefit annuity to pay for long-term care.
Do you know anyone with a whole life policy that could be repositioned? Learn how this client used her existing whole life policy that she purchased to grow cash value to leave a legacy and protect herself against future long-term care costs.