Simplify the presentation of your highly technical business and estate planning cases. From interpreting how legislative changes could impact your high-net-worth clients, to creating custom proposals for time-tested techniques – we’re your partners for the cases where you can’t afford to get it wrong.

Business owner planning

Many business continuity plans are not in writing or not current. Unfunded buy-sell agreements. Outdated valuations. Key employees without a retention strategy. Business owners with insufficient disability or life insurance. Unnecessary tax exposure.

We can help your business-owner clients protect everything they worked to build – whether they’re just starting a business, increasing executive compensation or getting ready for succession planning.

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Wealth transfer and estate planning

Virtually every high-net-worth client is philanthropic in their planning – but it’s up to the client how to divide their legacy between family, charitable giving and federal estate taxes. An insurance-based approach can provide liquidity and shield family wealth from taxation.

Life insurance is uniquely positioned to deliver an income-tax-free death benefit and tax-deferred growth. We’ll structure it so clients can maximize what they leave for future generations.

Explore Concepts and Solutions

Find your next great planning solution

Advanced Planning

Strategic Leverage to Best Serve Your Clients

Combat the concern of increasing interest rates with this premium finance life insurance strategy. The advisor guide to premium finance — along with your Ash Advanced Markets team — provides concepts for a proactive conversation on classic leverage for your wealthier clients.

May 2022 |

2 minutes

Advanced Planning

Key to Success with Employee Retention Planning

Learn about the four Rs of key non-owner employee planning, understand if your client’s case is eligible for guaranteed issue underwriting and address nonqualified insurance-backed retirement plans for business owners. All to ensure success and reward for loyalty, while also creating employee retention.

April 2022 |

2 minutes

Advanced Planning

Don't Be Blindsided if a Key Employee Leaves

No one wants to lose a key employee, but a little planning could make the loss easier. And, if you use life insurance in the plan, the business owner can leverage unique tax advantages.

March 2022 |

2 minutes

Advanced Planning

Fair Distribution for Families

No matter what a family looks like, there’s a need to distribute assets fairly. In cases of children from multiple marriages, blended families or only some children being involved in the business, life insurance can help accomplish that.

March 2022 |

1 minutes

Advanced Planning

Buy-Sell Planning Opportunities

Multiple owners don't have to mean more obstacles. We can help structure a buy-sell agreement that addresses current goals. Or, we can review an existing plan and make sure that it covers what’s important.

February 2022 |

1 minutes

Advanced Planning

Make Charitable Giving Easier with Life Insurance

If you have clients wanting to leave money to a charity, life insurance can help make that happen. Your clients will also be able to take advantage of the tax benefits offered by life insurance. Check out some of the strategies we can help you put in place.

February 2022 |

3 minutes

Advanced Planning

What Does a Partnership Buy-Sell Have To Do with Retirement

Instead of using term insurance to fund a buy-sell, talk to your business owner clients about using an IUL. By adding cash to the indexed universal life policy, they are also able to catch up on their retirement funding tax-deferred assets.

January 2022 |

2 minutes

Advanced Planning

Strategies for Non-Owner Key Employees

Help business owners create a plan to retain integral employees. Endorsement split-dollar, funded with a permanent life policy, can both protect the business while offering additional value to the employee. See how to design a specific plan for your client.

January 2022 |

4 minutes

Advanced Planning

Advanced Marketing for Your Most Important Clients

Make sure you’re taking advantage of the resources that are included in your partnership with Ash. Not only is our Advanced Markets team here to get you excited about 2022, but we can show you how to use carrier resources to get large cases complete.

November 2021 |

2 minutes

Advanced Planning

Simplifying Underwriting for Buy-Sell Cases

Multiple life insurance applications and getting several key people underwritten can be a paperwork headache. The answer? It might just be to ADD more key people in the mix, to qualify for a simplified program. Our Advanced Market team can help you do it.

November 2021 |

3 minutes

Advanced Planning

Estate Equalization

Estate Equalization ensures all heirs are treated fairly and promotes family harmony. See how you can help clients think through and plan for those situations.

October 2021 |

7 minutes

Advanced Planning

Preparing for a Change of Plan

Sometimes the key to protecting your clients is helping them maintain flexibility and control. A flexible premium life insurance plan, along with a flexible trust, might be the right diversification strategy for younger clients.

October 2021 |

3 minutes

Ash Answers

We love a challenge

There’s no case too large or complicated. Give us a call to discuss your opportunity. We'll help you ask the right questions, get the right people to the table and find a solution that best fits your client.

Matt Erpelding

Advanced Markets Lead

Ash Brokerage.

Steven Gates

Sr. Marketing Consultant, Advanced Markets

Ash Brokerage

Brian Merryman

Marketing Consultant, Advanced Markets

Ash Brokerage