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Concept Library

Uncover ideas you can take directly to your clients. With our concept library, you can search and filter by business line, topic or type of concept, to easily find your next go-to insurance solution. Download it. Print it. Learn it. Then contact us to discuss how we can help you implement the solution for your clients.

Tax Reference Pocket Guide

Taxes get complicated. Retirement plans. Medicare. Social security. Estate and gift taxes. Health savings rates. Tax rate schedules. This tax reference pocket guide is easy to keep with you, with the information you need to keep at your fingertips while planning with your clients.

Tax Reference Guide

Taxes get complicated. Retirement plans. Medicare. Social security. Estate and gift taxes. Health savings rates. Tax rate schedules. Milage rates. This tax reference guide contains all the information you need to keep at your fingertips while planning with your clients.

The Jim Harbaugh Plan

Like all high-income earners, highly paid employees of non-profits reach a point where they'd prefer to defer some of their current taxable income. In the summer of 2016, football coach Jim Harbaugh struck a split-dollar plan with the University of Michigan that's become legendary.

Third Generation Foundation Legacy

With gifts to fund a cash value life insurance policy, grandparents can put a plan in place that protects their grandkids while they’re little in case something happens to mom or dad, or a plan that creates a reserve fund to be a financial foundation as their grandkids enter adulthood.

IUL Caps Versus Cap Gains

Looking at an indexed universal life policy, it's easy to get hung up on the fact that the IUL’s cap rate could be changed by the issuing insurance carrier. But it's not much different than the IRS changing cap gains tax rates on clients' nonqualified investment accounts

Nonqualified Annuities for LTC Planning

There’s a good chance you have clients with nonqualified annuities that aren’t part of their retirement income plan. These annuities can be a viable funding option when it comes to creating a long-term care plan. Getting started takes a single, simple question to your client.

Why Long-Term Care Insurance? Executive Summary

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.

Tax Efficient Legacy Planning

Currently, an estate is not subject to the federal estate tax until it exceeds $11,580,000 (double for married taxpayers). In 2026, the current exemption will sunset, effectively cutting the amount in half. This piece looks at four options to protect your client's legacy before that happens.

A Guide to Ash Term Express

Nobody likes filling out a 50-page term insurance application. And now you don’t have to. Ash Term Express takes the paperless, digital experience a step further. Everything you need to write a term life application is in one place, regardless of which carrier you chose.

Ash Annuity Audit - Creating Assurance and Opportunity

A lot can change in a few years – the market, your clients’ goals and their financial needs. Our Ash Annuity Audit provides a third-party annuity contract review and analysis to help you build trust and deepen relationships. See how it works and the opportunities it can uncover.

Annuity Audit Fact Finder

The Annuity Audit review is designed to analyze your clients’ current in-force annuities and provide you with an understanding of your clients’ current contracts, allowing you to evaluate appropriate options. This form will help you get the facts to start.

Why Ash Instant

Competitive pricing. A high instant issue face amount. An immediate decision for those who qualify, with no labs or medical exams. Ash Instant is a great option for clients seeking term life insurance coverage. Check out this overview of policy features and see if fits your clients.