Ash Joins Integrity Marketing Group: Read more about our historic partnership!
Concept Library

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.

The Value of Using IRA Annuities

If your clients are holding all their retirement assets in defined contribution plans or institutional IRAs, they’re at a financial disadvantage. See why these plans can cause problems if your client has enough assets to begin to consider individualized financial and estate planning.

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.

Retirement Service Value Adds

As a business owner, your attention is pulled in every direction at once. Whether you’re expanding, marketing or protecting your business, we can help. More than brokerage, these complimentary value-add services could be the difference you need to hit your goals for growth.

Life and Health Guaranty Associations

Most states have guaranty funds to help pay the claims of financially impaired insurance companies. State laws specify the lines of insurance covered by these funds and the dollar limits payable. This cheat sheet summarizes the max liability limits broken down by state.

Financial Product Continuum

Planning for retirement is a constant balance of risk versus return. In some instances, a fixed or fixed indexed annuity (FIA) may be the perfect choice to protect your clients' assets while maximizing the potential for gains. See the advantages and disadvantages annuities provide.

Ash Annuity Audit Consumer Guide

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.

How Top Advisors Outperform Client Expectations

It’s easy to build a relationship when you can beat your clients’ expectations. Global low-interest-rate environments are making outperformance difficult, but there's a better way. See how to position assets for income generation and wealth creation, not asset decumulation.

Why Own an Annuity

There are many reasons to buy annuities. Choosing the right annuity is important in helping clients reach their financial goals. Whether that's income, accumulation, long-term care coverage or legacy planning, a review of their current goals will ensure an alignment for success.

30069
Preparing for Reductions in Social Security

Social Security benefits are likely to change in the near future. While Congress can still act to fill the funding gap, clients may need to protect their retirement portfolio against a reduction in benefits. As cuts become more likely, the PlanGap Annuity can help clients be prepared.

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!

Comparison of Asset Alternatives

You may get questions comparing the benefits of an annuity vs a CD. Or compared to a money market, bond or equity fund. This cheat sheet provides a quick reference to the features, fees, taxation and commissions of eight common types of assets your clients may consider.

StoryBrand Private Workshop

Clarify your message. Grow your business. When you have a clear and repeatable message that connects with clients, your business will grow. A private StoryBrand workshop, delivered by Ash Brokerage, will help you tell their story so your potential customers will listen.