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The Impact of Market Value Adjustment

Annuities introduce a complex interplay of risks for insurers and annuity holders, such as the potential for withdrawals during low investment market values. Check out these scenarios to see how Market Value Adjustment features work and how they can help the annuity holder share the risk.

A Case Journey: Annuities and Retirement

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 flier walks you through the step-by-step of getting an annuity case processed.

Real Benefits of Indexed Annuities

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.

Funding Permanent Insurance with an Immediate Annuity

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.

Income Access Comparison - CDs vs Annuities

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!

Is LIRP Right for Your Client?

Unlike an annuity, which offers straightforward guaranteed payments, a LIRP (life insurance retirement plan) is a little more nuanced and not for everyone. Use this flow chart to find out if your client is a fit.

Creating Confidence with an Annuity Audit

Your goals can change in just a few years. There may be a different solution that could help you better achieve your new goals or maybe market changes created new opportunities you're not aware of. With the Annuity Audit, you can ensure your coverage keeps up with all of life's changes.

Maximizing a Grandparent's Legacy without Underwriting

In legacy planning, simply leaving money to a grandchild in a will is leaving money on the table. Instead, depositing money into a joint and survivor single premium immediate annuity (SPIA) with a cost of living adjustment rider can provide guaranteed income for life.

Bank Teller Cheatsheet - Questions for Annuity Sales

Don't miss a potential sale! As a bank teller, it can be hard to know what to say to clients to get a referral for retail bankers. This series of topics helps you find key indicators in potential clients, with an easy reference sheet on questions to start the planning process.

Business Owner Solutions

Business owners focus on the needs of their business and often overlook planning for their financial future. That's where we come in. Ash provides comprehensive support to those starting, maintaining or exiting a business to ensure they can retire securely and protect what they've built.

Your Pension Risk Transfer Team

Ash delivers comprehensive pension risk transfer services to defined benefit plan sponsors. Our knowledge and processes set the industry standard. Here's how our team can help clients get off the funding rollercoaster.

Removing Pension Liability

Pension plans have been creating financial havoc for years. Volatile balance sheet liabilities, increased government fees, high professional fees and looming required contributions are causing sponsors to want to shed their pension plans. The answer to de-risking lies in the approach.