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.

There’s a good chance you have clients with nonqualified annuities that aren’t part of their retirement income plan. These annuities can be a viable funding option when it comes to creating a long-term care plan. Getting started takes a single, simple question to your client.

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.

Long-term care planning is changing. Aging and longevity create unique challenges that extend beyond income and assets. Take the first step to explain how LTC can be made simple. This guide walks through talking points covering common client concerns and how to position solutions.

Some may think IUL and other permanent life policies have egregious charges. But traditional brokerage accounts may have fees up to 1.75% per year. Exploring how the internal rate of return (IRR) stacks up over the long term creates an important perspective.

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.

Planning for retirement is a constant balance of risk versus return. A fixed or fixed indexed annuity (FIA) can protect your clients' assets while maximizing the potential for gains. See how annuities stack up on the financial product continuum.

Low touchpoints. No medical exam. Competitive pricing. Fast approval. FlashTerm is a collaboration between Legal & General America (LGA) and Ash Brokerage offering a seamless, swift, exam-free term life insurance product for your clients and better experience for you.

Clients have questions about DI. How does a policy pay them? For how long? How much can they purchase? What will it cost? How do they qualify for benefits? Before discussing individual disability insurance, make sure you know the answers to these five commonly asked questions.

If you are uncertain whether or not IRC Sections 101(j) and 6039I apply to a particular life insurance policy, or if you are uncertain what must be done to assure the death benefits are received tax-free, fill out this worksheet and let us help you get the facts.

Business-owner clients seek your advice on a wide range of issues including buy-sell, key person protection, employee retention, and exit/succession planning. If these issues lie outside your core areas of expertise, this worksheet will help you spark meaningful conversations.

It's possible to avoid the taxation of employer-owned life insurance. The general rule is that death benefits paid from a life insurance policy subject to IRC Sec. 101(j) are taxable when received. In order to avoid taxation, clients must qualify for one of several exceptions.