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.
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.
Life changes. Constantly. Has your client's life insurance coverage changed with it? Does their existing life insurance coverage meet their current needs? This rack-card-style guide to the Ash Life Audit helps clients consider if now is a good time to have you review their policy.
Sometimes the hardest part of starting a conversation is expressing the need. This piece outlines the industry improvements and personal and policy reasons to perform a life insurance policy review through the Ash Life Audit platform. No cost — just certainty in uncertain times.
It’s tough when clients get through underwriting with higher premiums or less benefits than they hoped for. But you can still save the sale when a modified DI policy is offered. It’s a case when some coverage really is better than no coverage at all.
Answer the question "How much life insurance do I need". With this simple form, it's easy to know how much life insurance to quote. It will help you start a conversation around income need, expenses and assets, to quickly estimate their life insurance needs.
When it comes to insurance, your clients will have questions. So, when considering an individual disability insurance policy, make sure your clients know the answers to these five commonly asked questions.
Disability overhead expense coverage can keep the lights on when something unexpected happens. The first step is to consider how much to cover. Help business-owner clients detail monthly operating expenses to see how they can be covered if they cannot work.
When marketing new concepts to clients, it can be tough to get started. We did the hard work for you with this client-friendly letter highlighting the benefits of a qualified longevity annuity contract (QLAC). Download it, modify it and send it to your clients to start a conversation.
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.
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.