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Our concept library is primarily intended for financial professional use only and is not to be reproduced or shown to clients. For pieces to use with customers, check out the client-facing category. Client-facing pieces are subject to broker-dealer review.
When your client’s objective is to increase future retirement cash flow, paying the highest possible premium into a cash-accumulating life insurance policy may make sense. However, before you recommend this strategy, make sure your client meets these five criteria.
Clarify your message. Grow your business. When you have a clear and repeatable message that connects with clients, your business will grow. A private StoryBrand workshop, delivered by Ash Brokerage, will help you tell their story so your potential customers will listen.
With flexible funding options, uncapped indices and downside protection to eliminate market losses, IUL offers more than just a death benefit. Use this example to discover how to balance growth and protection for your clients through the power of indexing.
Like many clients, a majority of this couple's assets are in qualified funds and they do not have a formal plan in place to address potential long-term care expenses. See how they were able to reposition a 401(k) to provide an income stream for extended health care.
Some may think IUL and other permanent life policies have egregious charges. But traditional brokerage accounts may have fees up to 1.75% per year. Exploring how the internal rate of return (IRR) stacks up over the long term creates an important perspective.
During the accumulation phase, assets invested in the market can often recover from losses by simply waiting for a market recovery. Losses are not "realized." But at retirement, even a few down-market years can have a dramatic effect on your clients' portfolios.
Low touchpoints. No medical exam. Competitive pricing. Fast approval. FlashTerm is a collaboration between Legal & General America (LGA) and Ash Brokerage offering a seamless, swift, exam-free term life insurance product for your clients and better experience for you.
If you are uncertain whether or not IRC Sections 101(j) and 6039I apply to a particular life insurance policy, or if you are uncertain what must be done to assure the death benefits are received tax-free, fill out this worksheet and let us help you get the facts.
Business-owner clients seek your advice on a wide range of issues including buy-sell, key person protection, employee retention, and exit/succession planning. If these issues lie outside your core areas of expertise, this worksheet will help you spark meaningful conversations.
It's possible to avoid the taxation of employer-owned life insurance. The general rule is that death benefits paid from a life insurance policy subject to IRC Sec. 101(j) are taxable when received. In order to avoid taxation, clients must qualify for one of several exceptions.
If your clients are ready to move from term insurance to a permanent policy, a term conversion might be the answer. This piece show you how to guide your clients through the process.
Looking at an indexed universal life policy, some get hung up on the fact that the IUL’s cap rate could be changed by the issuing insurance carrier. But the IRS also can change capital gains tax rates on clients' nonqualified investment accounts.