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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.
As clients age, their insurance needs change based on life events. From foundation to final expenses, this timeline will help you quickly guide a conversation and identify opportunities based on different life stages including protection, accumulation, conservation and legacy.
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.
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.
This piece encourages clients to take a step back and meet with you to review their existing annuity contracts. It highlights the potential benefits of newer products, as well as when it's a good time to perform a review. See how the Ash Annuity Audit can help start a conversation.
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 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.
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.