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.

7 Questions to Test Your Social Security Knowledge

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.

Creating a Multi-Functional Strategy Using an Existing Whole Life Policy

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.

Meaningful Portfolio Protection Using An Idle Asset

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.

Ash Annuity Audit Sample Output Report

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.

Client Guide to Key Employee Retention

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.

Ash Term Express Avoid Surprises

We’re committed to keeping term life insurance straightforward and simple. And for term insurance, one of the best ways to do that is to let your clients know what to expect. Here’s what you’ll need to find out from your client to submit a case through Ash Term Express.

Ash Life Audit Consumer Guide

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.

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.

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, accumulation, conservation and legacy.

Premium Finance 101

No matter what clients think, premium finance doesn’t have to be complicated and scary. The basic mechanics are actually relatively simple when properly structured. This tutorial flyer will help clients see why premium finance is used, how it works, and why they should try it.

Retirement Client Letter for Advisors

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.

Ash Life Audit Client Letter

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.