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.

Get answers to the who, what, how and when behind the Ash Life Audit in this brief overview of the benefits and the life insurance policy review process.

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.

It’s tough when clients get through underwriting with higher premiums or less benefits than they hoped for. But you can still save the sale when a modified DI policy is offered. It’s a case when some coverage really is better than no coverage at all.

Clients who are philanthropic often own IRAs or other qualified retirement assets which carry potential tax problems. Naming a charity as the beneficiary of an IRA or including an irrevocable life insurance trust (ILIT) may provide a more tax-efficient wealth preservation plan.

Although a deferred annuity is great for accumulating retirement funds, it's not an efficient vehicle to transfer wealth. Deferred income may be subject to income or estate taxes at death. Using annuity maximization, assets from the annuity can be repositioned to maximize value.

After an Ash Life Audit analysis process is complete, you'll receive a comprehensive report of findings and recommendations. The Professional Output provides a detailed look to fully evaluate current coverage, including discussion points, market analysis, and potential next steps.

This form is your first step to allowing our team to complete a policy review. It authorizes an insurance company to release information about your client's policy to Ash Brokerage.

Social Security benefits are likely to change in the near future. While Congress can still act to fill the funding gap, clients may need to protect their retirement portfolio against a reduction in benefits. As cuts become more likely, the PlanGap Annuity can help clients be prepared.

High-net-worth clients who want significant amounts of trust-owned life insurance create potential estate tax exposure. In this case study, the individuals loaned the trust money, with the trustee investing loan proceeds and making annual premium payments on a large policy.

Your high-net-worth clients earning attractive returns on their portfolio may be reluctant to liquidate assets to pay for life insurance. But this strategy can be used to substantially reduce out-of-pocket costs for life insurance and increase potential income.

Every solid structure requires a solid foundation. So, why is it that a person’s income is so often overlooked when creating a strong financial plan? Disability Insurance can help create paycheck protection in case your clients' income is disrupted - even for a short period of time.