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.

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.

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.

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 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 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.

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.

Facts of Your Life

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.

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.

Underwriting Paramedical Exams

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.