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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.
When it comes to funding long-term care, annuities that the client won't be using for income can be a great option. Share this piece with clients who have existing qualified or nonqualified annuities to start a conversation.
For larger life insurance cases, underwriters use a paramedical exam, which may include collecting blood and urine samples, and possibly a resting EKG. But preparation is key. Here's what you need to make sure your clients understand in order to pass with flying colors.
It's important for clients to know the facts about long-term care planning. This guide walks through the importance of choosing the right company, where to get LTC coverage, tax incentives, what to look for in a policy and other key aspects of planning for long-term healthcare in retirement.
Clients have more choices for long-term care planning than ever before. As an advisor, the key is understanding what they are and when they’re appropriate, so you can guide them through the decision-making process. This chart highlights the pros and cons of four common solutions.
After an Ash Life Audit analysis process is complete, you'll receive a comprehensive report of findings and recommendations. The Essential Output is a simplified summary that includes current policy information and alternatives in a format that's easy-to-review with clients.
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.
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.
Answer the question "How much life insurance do I need". With this simple form, it's easy to know how much life insurance to quote. It will help you start a conversation around income need, expenses and assets, to quickly estimate their life insurance needs.
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.
This handy journal gives clients one location for vital information such as loan payments, investments, insurance policies and more. Keeping these documents organized can save loved ones time and stress and help ensure that assets are allocated according to your client's wishes.
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.
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.