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.

Ash Instant How-To Guide

It's easy to use Ash Instant for your client's next term insurance policy. This reference sheet strips down the process into five steps highlighting where to click and what to look for on the Ash Brokerage Advisor Portal.

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.

Tax Efficient Planning for the Future

If costs are equal, who would your clients rather pay - the government or an insurance company? This conversation starter helps you identify the right clients for cash value life insurance and covers the key advantages of moving money into the right product at the right structure.

Maximizing Retained Earnings for C Corps

When corporate tax rates are lower than individual income tax rates, owners seek to retain capital in their businesses. Many keep a large part of their working capital in conservative, liquid assets but should consider maximum funding corporate-owned cash value life insurance.

Product Based Bonus Plan

A product-based bonus plan allows an employer to pay for an insurance product on an employee's life. The employee owns the policy, but the employer may restrict access to cash value through a special policy endorsement, commonly referred to as “golden handcuffs.”

Personally Owned Policy

Business partners often own term life insurance policies on each other to fund a buy-sell agreement. They figure the buy-sell need is temporary and will go away once either partner retires, but there are problems that can be avoided by each partner owning their own policy.

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Estate Equalization for Blended Families

Blended families present unique estate planning concerns. Parents usually want to ensure children are not treated unfairly after the biological parent passes away. An irrevocable trust, with gifts allocated to purchase life insurance can make sure the entire family is treated fairly.

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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.

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Estate Equalization for Prized Assets

Prized assets, such as real estate or valuable collections are difficult to split up during estate planning and often have different sentimental value to each member of the family. Life insurance can ensure the financial value of bequests remains equal across the board.

Why Ash Instant

Competitive pricing. A high instant issue face amount. An immediate decision for those who qualify, with no labs or medical exams. Ash Instant is a great option for clients seeking term life insurance coverage. Check out this overview of policy features and see if fits your clients.

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.

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.