Same contribution. Different outcome. When factoring in fees, portfolio turnover and taxes, can an investment account match the after-tax spendable income a permanent life insurance policy? Diversify a portfolio by using an VUL's cash value for retirement income.

Yes, insurance solutions can work for fee-based advisors. Learn about an exciting fee-based indexed universal life product, exclusive to Ash Brokerage. With flexible premiums and a simple structure, this no-load IUL has one of the most transparent and low-cost solutions in the industry.

Key person retention solutions are a common advanced planning request. With a competitive employment market, business owners are ready to take the next step to retain key employees. This guide covers how life insurance can be used to develop an employee bonus structure.

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.

Selecting the right key person incentive plan doesn't have to be complicated! This roadmap guides the conversation with business owners looking to implement a restricted bonus, nonqualified defined benefit, lump sum deferred bonus or key person plus plan to retain a key employee.

When planning for a key person incentive program, it's important to gather the right information. This simple worksheet provides a place to list their current salary, basic underwriting points, the employer's budget for coverage, and the type of plan that best fits the key employee.

Reviewing your business owner clients’ buy-sell agreements is essential as our industry evolves. Specifically, learn more about how the recent decision in Connelly vs. the U.S. could impact buy-sell agreements funded with life insurance, and how to get ahead of any unwanted surprises.

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.