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.

Buy-sell agreements are frequently funded with life insurance, assuring that if an owner dies, the surviving family has a buyer with the cash to pay a fair price. Whether it's as stock redemption or cross-purchase agreement, it will help remaining owners retain control of the business.

With flexible funding options, uncapped indices and and downside protection to eliminate market losses, IUL offers more than just a death benefit. Use the example in this flier to discover how to drive meaningful returns for your clients.

Each business stage requires a different focus and set of tools and strategies to help business owners accomplish their goals. From startup, through growth, maturity and eventually business transfer, we can help you identify the issues you should be discussing with your client.

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.

Clients often hate debt. But not all loans are bad. Super low interest rates and very favorable tax advantages have changed the game. See how fixed-rate loans, withdrawals from fixed loans, and participating loans can provide great sources of retirement income as needs arise.

Life insurance may be your client's most valuable asset class. It has tax-deferred growth, tax-free income and a tax-free death benefit, with no annual IRS contribution limits or RMDs. See how the benefits offer risk protection from losses, to lock in gains in a sideways market.

Many Americans are "over allocated" to tax-deferred retirement assets like 401(k)s and IRAs, limiting future spendable income. The Insured Retirement Plan is contractually guaranteed against market losses and enjoys non-reportable tax-free income when accessed properly.

A permanent life insurance policy could be one of the most valuable assets your clients own. You can be confident their policy is performing to its full potential with the comprehensive Ash Life Audit. This guide details everything you and your clients need to know to get started.

Known as AG49, Actuarial Guideline 49 was designed to limit illustrative interest rates and income projections shown to consumers. This summary defines key terms and explains how illustrations differ after AG49.

Just how expensive is properly designed IUL? This chart outlines the policy charges and policy benefits and compares the savings on fees long-term to those on most managed brokerage accounts.

Many are skeptical about the projected performance of life insurance policies. With recent illustrations we find ourselves being limited to showing low projected returns despite actual performance of modern IULs. But these real-world examples show the possible benefits.