Wealth transfer strategies help ensure your client’s estate will be distributed the way they choose. Yet some of their beneficiaries may be uninterested in the asset, or ill-suited to own it. The solution may be to create an estate equalization plan using life insurance.

You want to get new clients and earn referrals. But staying in front of your ideal prospects takes time and expertise. Time you should be spending with your clients. Ash can help. We connect you to preferred partners for digital marketing, lead generation and brand messaging.

As clients age, their insurance needs change based on life events. From foundation to final expenses, this timeline will help you quickly guide a conversation and identify opportunities based on different life stages including protection, accumulation, conservation and legacy.

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.

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.

Over the long term, the internal rate of return (IRR) on certain insurance policies only see about 0.50-0.85% “drag” on gross earnings due to all-in fees and costs. That is up to 66% savings on fees long-term vs the 1.5% on most managed brokerage accounts.

Your client is ready to grow their business. Maybe start an expansion, or bring on a new partner. You can help provide them with a safety net in case they get disabled along the way. With a business loan protection (BLP) rider, a disability insurance policy can keep the doors open.

The coverage your clients want for their heirs is immeasurable. But the amount of life insurance they need is easy to determine. This simple form will help you and your client start a conversation around income need, expenses and assets, to estimate their life insurance needs.

No matter what clients think, premium finance doesn’t have to be complicated and scary. The basic mechanics are actually relatively simple when properly structured. This tutorial flyer will help clients see why premium finance is used, how it works, and why they should try it.

When two business partners wanted disability insurance coverage, a multi-life discount provided an overall lower premium, plus coverage for an additional employee. See how the math worked out for these partners to save 23% while providing an added benefit for a key employee.

When is the last time a valuation was completed for your client's business? An older buy-sell agreement funded with life insurance can be in trouble if the business has grown since the agreement was created. We can help your clients update their business continuation plan.

Get a reference on the tax treatment of long-term care premiums for business owners! This easy-to-read chart shows five business types, with key deductibility information on premiums for owners, employees and spouses, as well as reported income and eligible premiums.