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Firelight Complete User Guide

Paperless. Convenient. Lightning Fast. Your secret weapon for success. FireLight is an electronic annuity application platform that makes doing business faster and easier – from anywhere. This complete user guide will walk you through every portion of the platform

Funding Permanent Insurance with an Immediate Annuity

Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.

Long-Term Care PreView Tool

LTC PreView ensures you have the right product, with the right carrier, quoted at the right price – no awkward conversations, frustrating delays or reselling needed. See how to use our pre-underwriting tool to send your clients a personalized, secure long-term care questionnaire.

Identifying LTC Opportunities: Asian American Clients

With more discretionary income than the average household, many Asian Americans can afford to fund an LTC plan. Statistically, they also live longer, creating a greater need for long-term care. And, as the fastest-growing ethnic group in the U.S., they're an often-overlooked demographic.

History of Taxation Timeline

Federal income tax rates are always changing. Over the last 100 years, we've seen historic highs and relative lows. This timeline may help some clients take a historical look back in order to move forward with planning for the future of taxation, retirement and their legacy.

199A Retirement Problem for Pass Through Owners

IRC Section 199A created a new 20 percent deduction for pass-through business owners’ profits, subject to a highly complex set of requirements, thresholds and qualifications. It's clear there is reduced incentive for these owners to make tax-deductible contributions to employer plans.

Life Events Worksheet

Make sure your clients' beneficiary designations are up to date so assets pass as they intend. Use this worksheet to help clients organize their information. Then, make sure the official beneficiary forms for each account are complete and reflect your clients' needs and wishes.

Repurposing Qualified Funds for Potential LTC Expenses

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.

Ash Annuity Audit Sample Output Report

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.

Insurance Based Fixed Income Return

If you have middle-aged clients looking for term life, a guaranteed universal life policy with a return of premium rider could be a better option. They could surrender the GUL at year 25 for 100% of premiums paid, with the same death benefit coverage as the 25-year term.

LTC Solutions for Clients in their 70s

Many advisors assume that once a client reaches 70 years old, long-term care insurance becomes too restrictive and hard to sell. Higher pricing. Stricter underwriting. But now you can turn tax-deferred dollars into tax-free coverage with a linked-benefit LTC annuity.

Multi-Life DI for Business Owners

Women pay more than men for disability insurance coverage. Blame statistics and underwriting. Fortunately, there are multi-life options that help level the playing field. By purchasing coverage on multiple employees, female business owners can save money while protecting more lives.