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 customers, check out the client-facing category. Client-facing pieces are subject to broker-dealer review.
When looking for long-term care coverage, one of the biggest unknowns is underwriting. With Ash Brokerage’s LTC PreView tool, you can get preliminary screening and answers to your underwriting questions before you complete an application.
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.
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.
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.
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.
Employees with higher salaries may be at a disadvantage when it comes to benefits. This client-approved piece shows how a benefit restoration plan can fix that by purchasing additional life insurance coverage and then adding group DI for income protection.
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.
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.