Disability overhead expense coverage can keep the lights on when something unexpected happens. The first step is to consider how much to cover. Help business-owner clients detail monthly operating expenses to see how they can be covered if they cannot work.

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.

The coverage your clients want for their heirs is immeasurable. But the amount of life insurance they need is easy to determine. This simple form will help you and your client start a conversation around income need, expenses and assets, to estimate their life insurance needs.

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 be a guide them through the decision-making process. This chart highlights the pros and cons of four common solutions.

This guide will address two key client concerns in retirement — not having enough money and high medical bills. Help them plan by looking at the biggest risk, creating an income floor approach, documenting assets and categorizing expenses.

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.

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.

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.

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.

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.

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.