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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.

Life Events Checklist

What life events have happened since your client purchased their life insurance policy? Help them uncover the need for a policy review by using this checklist to consider financial changes, policy changes and future planning goals.

Life Events Timeline

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, foundation, accumulation and legacy.

What Clients Should Expect with the LTC Underwriting Process

It's important to prepare clients for a successful underwriting outcome. After an application is submitted, many insurance carriers require a phone interview as part of the underwriting process. Here are some things to know to keep the experience positive for your clients.

5 Simple Steps to Talk About DI

A DI conversation about paycheck protection doesn’t have to be complicated. You just need to be prepared for what clients are likely to say. This five-step plan will give you key questions to ask – and the confidence to bring up disability insurance in your next appointment.

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.

Ash Term Express Client Process

During the Ash Term Express process, it's important to keep your clients informed about next steps. After submitting an application, this flyer will help you explain how the process works and what your client should expect, including the carrier interview, underwriting and approval.

Life Event Planning: Foundation Stage Fact Finder

Younger couples may not have a lot of accumulated assets, but future earning potential is important to protect. Use this worksheet to show why purchasing life and disability insurance at this stage can offer a path to other products as salaries increase.

Life Event Planning: Protection Stage Fact Finder

Clients have a lot of conflicting financial priorities. Use this worksheet to help uncover existing goals and coverage, then start a conversation around additional insurance protection that will help address changing life milestones and concerns.

Matching Client Concerns to Annuities

Every product recommendation begins with a conversation. In this cheat sheet, we take five key areas of concern and help you review life events that clients may be working through. The provided discussion points for each can lead to implementing a strategy with an annuity.

Plan for Care Form

Helping your clients think through what they want when it comes to long-term care is an important part of planning. Many have never thought about where they want to receive care or how they would pay for it. Give this form to your clients to get the conversation started.

Why to Plan for a Long-Term Care Event

Many clients are hesitant about planning for long-term care because they don't think they will need it. But, it's hard to argue with statistics. Show this piece to your clients to help them get the facts and discover why the long-term care conversation is worth having.

A Conversation Guide to Long-Term Care

Long-term care planning is changing. Aging and longevity create unique challenges that extend beyond income and assets. Take the first step to explain how LTC can be made simple. This guide walks through talking points covering common client concerns and how to position solutions.