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.

There's no "one size fits all" answer for deciding who should own a life insurance policy that is being used for estate planning purposes. But, these considerations can help you compare beneficiary-owned and trust-owned policies to get the discussion started.

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.

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.

A financial plan has many important pieces, but your client’s ability to earn an income makes everything else possible. People insure their homes, cars and personal property, yet fail to insure the thing that makes it all possible. See how to protect their income with disability insurance.

Disability insurance works for your clients when they can’t. It keeps their families in their homes, children going to school and future plans in motion. This guide walks you through the need for DI, how to identify clients, key questions to ask to start the conversation and next steps.

LTC PreView ensures you have the right product, with the right carrier, quoted at the right price – no awkward conversations, frustrating delays or reselling needed. See how to use our pre-underwriting tool to send your clients a personalized, secure long-term care questionnaire.

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.

Long-term care is a changing story. And as LTC costs continue to rise, states are looking for ways to shift expenses back to the consumer. Here's what you need to know right now about current state-mandated plans, the states researching plans and how private LTC can help.

As different states look at creating state-mandated plans, your clients might have questions. This piece can help answer those questions and give them a higher level of confidence in the power of planning for long-term care.

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.

Businesses rely on people. If someone were unable to perform their role due to illness or injury, would the business continue to run smoothly? The risk of losing a key employee — someone essential to the success of the business — can be reduced through disability insurance.