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. Client-facing pieces are subject to your broker-dealer review.
It's important for clients to know the facts about long-term care planning. This guide walks through the importance of choosing the right company, where to get LTC coverage, tax incentives, what to look for in a policy and other key aspects of planning for long-term healthcare in retirement.
This guide will address two key client concerns in retirement — not having enough money and high medical bills. Help them plan by looking at the biggest risk, creating an income floor approach, documenting assets and categorizing expenses.
This a client-facing overview of ways a business owner can retain key employees. Moving from simple to complex, it covers endorsement split dollar, executive bonus with an option to add restriction and defined contribution supplemental retirement plan.
During the Ash Term Express process, it's important to keep your clients informed about next steps. After submitting an application, this flyer will help you explain how the process works and what your client should expect, including the carrier interview, underwriting and approval.
For larger life insurance cases, underwriters use a paramedical exam, which may include collecting blood and urine samples, and possibly a resting EKG. But preparation is key. Here's what you need to make sure your clients understand in order to pass with flying colors.
This handy journal gives clients one location for vital information such as loan payments, investments, insurance policies and more. Keeping these documents organized can save loved ones time and stress and help ensure that assets are allocated according to your client's wishes.
Life insurance is a complex product that offers far more than just a death benefit. With features such as tax-free growth, tax-preferred distributions, FIFO tax treatment and no contribution limits, cash value life insurance can be an excellent tool for growing your client's assets.
This is one situation in life where you really do know what you're gonna get. Download a sample output of our Ash Annuity Audit to see what's included in the analysis. It will help you help your clients understand their current annuity contracts and identify potential next steps.
Consider the questions below and share your answers with your advisor. The difference between what you know, and what you don’t, could be the key to a successful retirement.
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.