Premium finance can often seem complicated. But understanding how to leverage other people's money to enhance life insurance objectives just got simpler. From describing how it works to outlining the steps to get started, this summary makes understanding the basics of premium finance easy.

Arm yourself with 10 reasons why a business owner should be offering long-term care coverage for their employees. From raising productivity, to streamlined applications and payroll deductions, the message is the same: Employees need LTC coverage and offering it is easy.

This is one situation in life where you really do know what you're gonna get. Download a sample output of our Ash Annuity Audit to see what's included in the analysis. It will help you help your clients understand their current annuity contracts and identify potential next steps.

All the money in the world can’t buy good health. Your wealthiest clients have the same likelihood of needing extended health care as everyone else – and they know it. Don’t rule out these clients because you mistakenly think they can – or want to – self-insure for long-term care.

Health care, including long-term care, is a regular topic of conversation for people in their 60s. It comes up around the dinner table. And it needs to come up in your planning conversations. But these clients don’t just need talk – they need action. Help them create an LTC plan.

This is the sweet spot for LTC sales. Clients in their mid-50s are the most likely to purchase long-term care insurance because they are still earning income, but need to have a solid picture of how their retirement will look. See what to look for so you don’t miss a window of opportunity.

By planning “early” for long-term care, your clients can potentially save money – and make underwriting easier. Good prospects may have experienced a family member who needed care – or they are high-income earners who want to take a future LTC concern off their shoulders.

Qualified plans offer a solid strategy for postponing taxes, yet it's crucial to acknowledge these taxes will eventually come due – typically during retirement when the money is likely to be needed most. Our proposed "retirement reset" could help evade this impending tax burden with minimal or no upfront tax expense.

Whether you need help with a quote or are ready to submit a case, you need to know what to do before and after submitting business. This flier walks you through the step-by-step of getting an annuity case processed.

Even if Medicare isn't your focus, your clients need to understand their options. When your goal is to cover every aspect of your client's wellbeing, that can be intimidating. Lucky for you, you've got a partner who will take it off your plate!

Whether you need help with a quote or are ready to submit a case, you need to know what to do before and after submitting business. This piece walks you through the step-by-step of getting a life insurance, LTC or disability case processed.

Annuities introduce a complex interplay of risks for insurers and annuity holders, such as the potential for withdrawals during low investment market values. Check out these scenarios to see how Market Value Adjustment features work and how they can help the annuity holder share the risk.