Whether you need help with a quote or are ready to submit a case, you need to know what to do before and after submitting business. This piece walks you through the step-by-step of getting a life insurance, LTC or disability case processed.

Qualified plans offer a solid strategy for postponing taxes, yet it's crucial to acknowledge these taxes will eventually come due – typically during retirement when the money is likely to be needed most. Our proposed "retirement reset" could help evade this impending tax burden with minimal or no upfront tax expense.

Even if Medicare isn't your focus, your clients need to understand their options. When your goal is to cover every aspect of your client's wellbeing, that can be intimidating. Lucky for you, you've got a partner who will take it off your plate!

Businesses struggle to retain key employees, and an often-overlooked area is income protection. Multi-life DI can close the income gap and incentivize employees to stay. With this one-pager. determining if additional coverage is needed is simpler than you think – and so is the process!

Don't create a false expectation based on a best-case scenario. With DI PreView, you can email or text your clients a personalized, secure questionnaire to get an accurate snapshot of their health history so you can recommend the right product quoted at the right price.

In years when the S&P 500® Index is negative, fixed indexed annuities (FIAs) can be a client's hardest-working asset. Supported by a minimum guarantee, FIAs provide an opportunity to accumulate value on the appreciation of the S&P, without losing premium when the S&P was negative.

Your path to success starts with our Client Experience team. From what to expect on your first call to an overview of the Ash's resources – they'll make sure you have everything you need to navigate your partnership with Ash. Here's how you can use the team to your advantage.

Many things keep business owners up at night, including taxation and protecting against the loss of key employees. Corporate-owned life insurance (COLI) can help with both. In this solution, we'll look at COLI as an institutionally priced cash value life insurance product.

Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.

For clients who rely on interest from CDs for retirement income, annuities may provide a better alternative. A single premium immediate annuity (SPIA) with a full return of premium (ROP) rider can generate significantly more annual lifetime income. In this example, 6x higher!

Here's your how-to guide for multi-life disability insurance – an untapped solution for an unmet need. Unlock the potential of multi-life DI and discover the best businesses to target, how to gather the needed information and how to get the policies approved.

From initial case design to underwriting support and advanced marketing strategies, our dedicated team will guide you toward optimal outcomes for your clients. Use this flow chart to see how we can help you through every step of the insurance process.