With Ash Term Express you have a good chance of getting the right coverage for each client. For each age demographic, we’ve pulled out the carriers that generally have the best placement rate and cycle time to approval for both accelerated and traditional underwriting.

When a business owner has significant idle cash and no clear succession plan, life insurance can help. A one-way buy-sell agreement, tied to a high cash value policy can help an owner to protect their business while simultaneously increasing value in a low-risk manner.

Life insurance may be your client's most valuable asset class. It has tax-deferred growth, tax-free income and a tax-free death benefit, with no annual IRS contribution limits or RMDs. See how the benefits offer risk protection from losses, to lock in gains in a sideways market.

As a key employee retention strategy, a defined contribution deferred comp plan can be established with select employees. The business owner can design plan options such as implementing a vesting schedule and determining payout terms based on company performance.

When marketing new concepts to clients, it can be tough to get started. We did the hard work for you with this client-friendly letter highlighting the benefits of a qualified longevity annuity contract (QLAC). Download it, modify it and send it to your clients to start a conversation.

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.

With The American College of Financial Services and insurance carrier partners, Ash Brokerage offers up to $1,500 toward your pursuit of the Retirement Income Certified Professional® (RICP®) designation. You'll gain immediate knowledge to help solve your clients’ retirement concerns.

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 guide will walk you through how to get started submitting applications in good order.

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.

Many clients choose to take Social Security income early. Clients want their money as soon as possible, or have concerns about the future of the system. But delaying benefits and using a single-premium immediate annuity as an income bridge makes a huge difference in future income.

Clients can withdraw income from any retirement account to provide income, but annuities create an important guarantee that other products do not offer. Check out this multiple-product allocation strategy that combines a SPIA, fixed or indexed annuity and mutual fund.

There are higher risk products with potential for higher returns, and products with lower risk and lower returns. Somewhere in between, fixed annuities and fixed indexed annuities (FIAs) provide a strategy for any market – to protect assets while providing potential for additional interest.