Start the conversation to help protect your business owner clients against the loss of a key employee. The business purchases life insurance or disability insurance on a key person and pays all premiums. Upon death or disability, the benefit is paid directly to the business.

When it comes to funding long-term care, annuities that the client won't be using for income can be a great option. Share this piece with clients who have existing qualified or nonqualified annuities to start a conversation.

Yes, insurance solutions can work for fee-based advisors. Learn about an exciting fee-based indexed universal life product, exclusive to Ash Brokerage. With flexible premiums and a simple structure, this no-load IUL has one of the most transparent and low-cost solutions in the industry.

The Annuity Audit review is designed to analyze your clients’ current in-force annuities and provide you with an understanding of your clients’ current contracts, allowing you to evaluate appropriate options. This form will help you get the facts to start.

Key person retention solutions are a common advanced planning request. With a competitive employment market, business owners are ready to take the next step to retain key employees. This guide covers how life insurance can be used to develop an employee bonus structure.

For larger life insurance cases, underwriters use a paramedical exam, which may include collecting blood and urine samples, and possibly a resting EKG. But preparation is key. Here's what you need to make sure your clients understand in order to pass with flying colors.

Selecting the right key person incentive plan doesn't have to be complicated! This roadmap guides the conversation with business owners looking to implement a restricted bonus, nonqualified defined benefit, lump sum deferred bonus or key person plus plan to retain a key employee.

When planning for a key person incentive program, it's important to gather the right information. This simple worksheet provides a place to list their current salary, basic underwriting points, the employer's budget for coverage, and the type of plan that best fits the key employee.

Turn a nonqualified annuity into a fund for long-term care expenses with up to 4x the benefit pool of the original cash value, tax-free! By using a 1035 exchange, clients can turn their current annuity into one that qualifies for the PPA advantages for LTC.

Reviewing your business owner clients’ buy-sell agreements is essential as our industry evolves. Specifically, learn more about how the recent decision in Connelly vs. the U.S. could impact buy-sell agreements funded with life insurance, and how to get ahead of any unwanted surprises.

For clients with assets that are not generating key income, a great conversation starter is "What is your goal for this money?" If the discussion follows the path we commonly see, a few more questions could lead to a more suitable product solution. Follow this flowchart for more.

It's important for clients to know the facts about long-term care planning. This guide walks through the importance of choosing the right company, where to get LTC coverage, tax incentives, what to look for in a policy and other key aspects of planning for long-term healthcare in retirement.