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Case Studies for the Ash Annuity Audit

An annuity contract review can provide better solutions for real clients, without requiring additional premium. In these case studies, discover how Ash Annuity Audit can help create a new revenue stream and an unbiased, third-party look at performance.

State-Mandated LTC: What You Need to Know

As different states look at creating state-mandated plans, your clients might have questions. This client-approved piece can help answer those questions and give them a higher level of confidence in the power of planning for long-term care.

Long-Term Care Support Resources

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.

Proposed Legislation: New York State Long-Term Care Trust Program

Like other states, New York is considering a state-funded trust program to help with the cost of long-term care for its residents. While the legislation is currently in the proposal stage, now is the time to learn what it means for you and how you can prepare.

Long-Term Care Deductibility Quick Reference Guide

Get a reference on the tax treatment of long-term care premiums for business owners! This easy-to-read chart shows five business types, with key deductibility information on premiums for owners, employees and spouses, as well as reported income and eligible premiums.

Protecting a Business Owner's and Employee's Future

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.

Understanding The Estate Tax Exemption Sunset

The lifetime gift and estate tax exemption is set to be cut in half in 2026. It might seem like there's ample time to create a plan, but there is a practical deadline ahead of the statutory deadline. Here's what you need to know to avoid the rush.

5 Steps to Writing Employer-Sponsored Plans

If you work with business owners, you should be talking about the benefits of offering employer-sponsored plans for long-term care and disability insurance. Discussing both types of coverage puts the protection they need right up front, allowing employers to retain key employees without having to have separate conversations. And with Ash, getting started is easy.

Comparison of Asset Alternatives

You may get questions comparing the benefits of an annuity vs a CD. Or compared to a money market, bond or equity fund. This cheat sheet provides a quick reference to the features, fees, taxation and commissions of eight common types of assets your clients may consider.

Why Own an Annuity

There are many reasons to buy annuities. Choosing the right annuity is important in helping clients reach their financial goals. Whether that's income, accumulation, long-term care coverage or legacy planning, a review of their current goals will ensure an alignment for success.

Charitable Planning with IRAs Trusts Life Insurance

Clients who are philanthropic often own IRAs or other qualified retirement assets which carry potential tax problems. Naming a charity as the beneficiary of an IRA or including an irrevocable life insurance trust (ILIT) may provide a more tax-efficient wealth preservation plan.

Executive and Professional Life Insurance Restoration Plan

While company-paid group-term life insurance is beneficial, it is not equally valuable to each employee. Review this sample restoration plan to learn how to make high-income earners whole by providing them additional individual coverage.