There's a misconception that the fees and commissions of cash value life insurance make it difficult to accumulate wealth. This piece breaks down an indexed universal life (IUL) policy by premium expense, cost of insurance (COI), coverage charge and admin charge.

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 you can position the benefits to lock in gains in a sideways market.

Your client's portfolio needs a tax-free bucket. As you look at the history of top income tax rates, which direction do you think future rates will go? As taxes rise, it's important to mitigate tax liabilities during retirement by diversifying assets for tax-free access.

Many Americans are over-allocated to traditional, tax-deferred retirement assets like 401(k)s and IRAs. When taxes increase, they may be taxed as ordinary income. Guide them to tax-free income in their portfolio with a balanced risk profile guaranteed against market losses.

Landowners often have a deep appreciation for their ranch, farm, forest, wetland or other property – and have concerns about the long-term welfare of the land. A conversation easement can help protect the land while life insurance can replace lost market value for the estate.

With extended lifespans, comes the increased likelihood of heightened healthcare expenses – making clients apprehensive about outlasting their financial resources. Here's how one couple was able to use a fixed indexed annuity to guarantee more income in retirement.

A lot can change in a few years – the market, your clients’ goals and their financial needs. Our Ash Annuity Audit provides a third-party annuity contract review and analysis to help you build trust and deepen relationships. See how it works and the opportunities it can uncover.

Qualified longevity annuity contracts (QLACs) were introduced in 2014. Adoption has been slow due, but a QLAC remains one of the best tools to improve the probability of retirement success. See the results of our annual performance study and how it can help your business grow.

Many are skeptical about the projected performance of life insurance policies. With recent illustrations we find ourselves being limited to showing low projected returns despite actual performance of modern IULs. But these real-world examples show the possible benefits.

Women typically live longer than men, but they also tend to have lower Social Security benefits. That's why it's important to understand the impact claiming early can have on a surviving spouse. Here's how one couple created a strategy that allowed them to earn over $23,000 in additional Social Security benefits over their lifetimes.

Helping your clients think through what they want when it comes to long-term care is an important part of planning. Many have never thought about where they want to receive care or how they would pay for it. Give this form to your clients to get the conversation started.

Many clients are hesitant about planning for long-term care because they don't think they will need it. But, it's hard to argue with statistics. Show this piece to your clients to help them get the facts and discover why the long-term care conversation is worth having.