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Clients have more choices for long-term care planning than ever before. As an advisor, the key is understanding what they are and when they’re appropriate, so you can guide them through the decision-making process. This chart highlights the pros and cons of four common solutions.
LTC PreView ensures you have the right product, with the right carrier, quoted at the right price – no awkward conversations, frustrating delays or reselling needed. See how to use our pre-underwriting tool to send your clients a personalized, secure long-term care questionnaire.
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.
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.
What life events have happened since your client purchased their life insurance policy? Help them uncover the need for a policy review by using this checklist to consider financial changes, policy changes and future planning goals.
Answer the question "How much life insurance do I need". With this simple form, it's easy to know how much life insurance to quote. It will help you start a conversation around income need, expenses and assets, to quickly estimate their life insurance needs.
As clients age, their insurance needs change based on life events. From foundation to final expenses, this timeline will help you quickly guide a conversation and identify opportunities based on different life stages including protection, foundation, accumulation and legacy.
This handy journal gives clients one location for vital information such as loan payments, investments, insurance policies and more. Keeping these documents organized can save loved ones time and stress and help ensure that assets are allocated according to your client's wishes.
If a client agrees that LTC is something they want to address, you have to find a source of funding for a solution. Below are four quadrants of assets you can use to pay for long-term care insurance coverage, including cash flow, nonqualified, qualified and idle assets.
For the right client, a linked-benefit annuity policy can offer long-term care benefits without underwriting. With just three simple steps, you can help clients plan for LTC with the assets they already have.
When a minor child suffers injuries in an accident, the medical, financial and emotional concerns can be a huge burden. The uncertainties of rehabilitation and future earnings potential must be considered. These concerns can be addressed with a structured settlement plan.
Attorneys involved in structured settlement agreements can defer their legal fees and recognize taxable income when installment payments are received. Take a look at two common situations where structuring attorney fees provide a greater benefit than a lump sum.