I support the expansion of our institutional accounts in New York, Washington DC, Maryland, Virginia and South Texas. I have continually demonstrated a passion to offer immediate care for both internal and external relationships. My vast experience in longevity planning, combined with a willingness to provide thoughtful solutions, is felt across the organization.
I'm always available to help educate you on the latest concepts, unique to your client's situation.
If you need assistance on a case, you have a team of dedicated specialists at your fingertips. Feel free to reach out to them directly if I am not available.
I'm always available to help educate you on the latest concepts, unique to your client's situation. Let me know how we can help with your next opportunity through case consultation, virtual point-of-sale assistance, case design support, illustration review, application fulfillment or field underwriting challenges. If you need help on a specific business line, you're always welcome to contact me or reach out to your dedicated team.
This comprehensive, educational resource covers the basics of life insurance and more. After discussing the need, purpose and types of life insurance, you'll learn about the application and underwriting process, as well as policy customizations, loans, taxation and more.
If a client agrees that LTC is something they want to address, you have to find a source of funding for a solution. Below are four quadrants of assets you can use to pay for long-term care insurance coverage, including cash flow, nonqualified, qualified and idle assets.
Health care, including long-term care, is a regular topic of conversation for people in their 60s. It comes up around the dinner table. And it needs to come up in your planning conversations. But these clients don’t just need talk – they need action. Help them create an LTC plan.
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.
Business owners are a common candidate for estate equalization because assets are often tied up in their business. When they have multiple children with varying levels of involvement in the business, life insurance can help make bequests equal AND keep the business intact.
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.
When a business owner has significant idle cash and no clear succession plan, life insurance can help. A one-way buy-sell agreement, tied to a high cash value policy can help an owner to protect their business while simultaneously increasing value in a low-risk manner.
With Ash Term Express you have a good chance of getting the right coverage for each client. For each age demographic, we’ve pulled out the carriers that generally have the best placement rate and cycle time to approval for both accelerated and traditional underwriting.
Fluidless, accelerated, express, simplified – no matter the words you use, one thing is certain: More and more insurance companies are offering streamlined underwriting processes. This cheat sheet will give you an overview of the programs available and if your clients qualify.
Just because an estate is too small to get taxed doesn’t mean it is too small to cause problems with heirs ill-equipped to handle wealth, sibling rivalries, divorce, lawsuits and more. Using a trust, clients can give heirs the benefit of wealth without direct ownership of wealth.
Discover four strategies to reposition money for ultra-wealthy clients. From classic leverage through premium financing or unique tax credits, to using BOLI or an innovative 1035 exchange with our No-Load IUL, you can capture more corporate AUM and keep the IRS out.
For clients with assets that are not generating key income, a great conversation starter is "What is your goal for this money?" If the discussion follows the path we commonly see, a few more questions could lead to a more suitable product solution. Follow this flowchart for more.