Helping your clients think through what they want when it comes to long-term care is an important part of planning. Many have never thought about where they want to receive care or how they would pay for it. Give this form to your clients to get the conversation started.

Many advisors assume that once a client reaches 70 years old, long-term care insurance becomes too restrictive and hard to sell. Higher pricing. Stricter underwriting. But now you can turn tax-deferred dollars into tax-free coverage with a linked-benefit LTC annuity.

Developing an exit strategy is a pressing financial challenge facing small-business owners. For businesses with more than one owner, the ability to successfully sell a business interest at retirement is often dependent upon the quality of their buy-sell agreement.

Many clients are trying to make pension decisions for the future now. This can be especially tricky if they are trying to figure out whether to take a single life benefit or joint/survivor benefit annuity payout option from a defined benefit plan. This pension max overview can help.

With Ash Term Express, we took the guesswork out of quoting to get the best term life options. You can quote and submit an application in minutes. It tailors information based on responses and carrier selection, so no time is wasted answering unnecessary questions.

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.

High-net-worth clients who earn more year over year may end up underinsured and require more tax-free income. Here's how to use an existing Section 7702-based life insurance policy to provide a larger death benefit, greater upside potential and additional tax-free income at no additional out-of-pocket cost.

Support a conversation about what federal estate taxes could apply given a client's level of wealth. Request your custom proposal for a straight-line projection of future values for up to three categories of assets comprising a client's taxable estate.

Realizing how the need for long-term care may affect the workplace, smart employers are making themselves aware of what LTC is, how it works and how they can better help protect their employees. This executive summary will help business owners consider the options on the table.

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.

Younger couples may not have a lot of accumulated assets, but future earning potential is important to protect. Use this worksheet to show why purchasing life and disability insurance at this stage can offer a path to other products as salaries increase.

Clients have a lot of conflicting financial priorities. Use this worksheet to help uncover existing goals and coverage, then start a conversation around additional insurance protection that will help address changing life milestones and concerns.