My singular goal is to earn the right to be a trusted partner to each Commonwealth Financial advisor I serve. I'm not a wholesaler! I'm your "go-to guy” for all your insurance-based planning needs, covering life, long-term care, linked-benefit and disability insurance.
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 below.
If you need assistance on pending cases for escalation or navigating the Ash Portal, Tori is a perfect resource to help. Chris, Bryan and Kelly your dedicated contacts to assist with advanced cases for life, LTC and DI, respectively.
If you have a question about our automated online licensing system or want to get contracted with another carrier, Meredith will take good care of you!
(800) 423-1294, Option 1
(800) 423-1294, Option 2
(800) 423-1294, Option 3
Turn a nonqualified annuity into a fund for long-term care expenses with up to 4x the benefit pool of the original cash value, tax-free! By using a 1035 exchange, clients can turn their current annuity into one that qualifies for the PPA advantages for LTC.
Sometimes it can take a little preparation to help an insurance carrier see the worth of a key person. By understanding what carriers are looking for, it’s possible to justify high face amounts on key person policies. This article will guide you through financial underwriting justification.
Clients who are philanthropic often own IRAs or other qualified retirement assets which carry potential tax problems. Naming a charity as the beneficiary of an IRA or including an irrevocable life insurance trust (ILIT) may provide a more tax-efficient wealth preservation plan.
Many things keep business owners up at night, including taxation and protecting against the loss of key employees. Corporate-owned life insurance (COLI) can help with both. In this solution, we'll look at COLI as an institutionally priced cash value life insurance product.
Although a deferred annuity is great for accumulating retirement funds, it's not an efficient vehicle to transfer wealth. Deferred income may be subject to income or estate taxes at death. Using annuity maximization, assets from the annuity can be repositioned to maximize value.
After an Ash Life Audit analysis process is complete, you'll receive a comprehensive report of findings and recommendations. The Professional Output provides a detailed look to fully evaluate current coverage, including discussion points, market analysis, and potential next steps.
Estate planning is an important part of tax diversification, and life insurance can be an effective resource for achieving it. This example illustrates the benefits of the strategy with projected values and client options for coverage.
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.
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.
This discussion outline helps establish a need for business owners to create a guaranteed issue life insurance program. Common needs are buy-sell for businesses with a lot of stockholders or members, key person business protection or key employee benefit packages.
When it comes to insurance, your clients will have questions. So, when considering an individual disability insurance policy, make sure your clients know the answers to these five commonly asked questions.