Life insurance is entering the next generation. Digital. Fast. Transparent. Check out these exclusive products, tools and services that are revolutionizing the way life insurance is sold.
Get up to $2 million in coverage in just minutes – no contracting required – with an immediate decision for those who qualify.
This fee-only indexed universal life product is simpler for clients, with a clear and transparent expense structure.
Through a personalized, secure client questionnaire, Life PreView asks the right questions upfront – so you don’t have to.
Exceptional service is just a call or click away. Let us show you how whatever the question, whatever the need, Ash Answers.
A permanent life insurance policy could be one of the most valuable assets your clients own. While protecting their family from the unthinkable, a cash value life insurance policy can accumulate tax-deferred savings that can be distributed tax-free.
Whether you sold the policy or not, you can help clients decide if their permanent life insurance policy is performing to its full potential. After more than 6,000 formal reviews, the comprehensive Ash Life Audit found more than 65% of life insurance policies could be improved by a new policy!
Get concierge-level guidance and custom proposals on your most complex questions related to business owners, estate planning and taxation. There’s no case too large or complicated.
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You’re ready for a partnership that provides individualized support and a commitment to work with you the way you want. See how we work together.
Discover four strategies to reposition money for ultra-wealthy clients. From classic leverage through premium financing or unique tax credits, to using BOLI or an innovative 1035 exchange with our No-Load IUL, you can capture more corporate AUM and keep the IRS out.
This comprehensive, educational resource covers the basics of life insurance and more. After discussing the need, purpose and types of life insurance, you'll learn about the application and underwriting process, as well as policy customizations, loans, taxation and more.
After an Ash Life Audit analysis process is complete, you'll receive a comprehensive report of findings and recommendations. The Essential Output is a simplified summary that includes current policy information and alternatives in a format that's easy-to-review with clients.
A permanent life insurance policy could be one of the most valuable assets your clients own. You can be confident their policy is performing to its full potential with the comprehensive Ash Life Audit. This guide details everything you and your clients need to know to get started.
Life changes. Constantly. Has your client's life insurance coverage changed with it? Does their existing life insurance coverage meet their current needs? This rack-card-style guide to the Ash Life Audit helps clients consider if now is a good time to have you review their policy.
A 1035 exchange is the exchange of an insurance contract for another that meets all the requirements of Section 1035 of the Internal Revenue Code (IRC 1035). When a contract is exchanged under IRC 1035, the gain or loss of the exchanged contract is transferred to the new contract. Requirements for non-taxable treatment include:
- The owner and the insured/annuitant on both contracts must be identical
- The contract being exchanged must be in force. If the contract is maturing, the 1035 exchange must be signed prior to the maturity date
To annuitize is to convert the accumulated value of an annuity into a stream of income. The payments may be a fixed amount for a fixed period of time or for a lifetime.