Known as AG49, Actuarial Guideline 49 was designed to limit illustrative interest rates and income projections shown to consumers. This summary defines key terms and explains how illustrations differ after AG49.

There's no "one size fits all" answer for deciding who should own a life insurance policy that is being used for estate planning purposes. But, these considerations can help you compare beneficiary-owned and trust-owned policies to get the discussion started.

We’re committed to keeping term life insurance straightforward and simple. And for term insurance, one of the best ways to do that is to let your clients know what to expect. Here’s what you’ll need to find out from your client to submit a case through Ash Term Express.

When looking for long-term care coverage, one of the biggest unknowns is underwriting. With Ash Brokerage’s LTC PreView tool, you can get preliminary screening and answers to your underwriting questions before you complete an application.

This guide will address two key client concerns in retirement — not having enough money and high medical bills. Help them plan by looking at the biggest risk, creating an income floor approach, documenting assets and categorizing expenses.

Some insurance companies require specific authorizations to be completed before we can begin a life insurance policy review. This form will get you connected to the correct form from the carrier.

Sometimes the hardest part of starting a conversation is expressing the need. This piece outlines the industry improvements and personal and policy reasons to perform a life insurance policy review through the Ash Life Audit platform. No cost — just certainty in uncertain times.

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.

This form is your first step to allowing our team to complete a policy review. It authorizes an insurance company to release information about your client's policy to Ash Brokerage.

High-net-worth clients who want significant amounts of trust-owned life insurance create potential estate tax exposure. In this case study, the individuals loaned the trust money, with the trustee investing loan proceeds and making annual premium payments on a large policy.

Your high-net-worth clients earning attractive returns on their portfolio may be reluctant to liquidate assets to pay for life insurance. But this strategy can be used to substantially reduce out-of-pocket costs for life insurance and increase potential income.