Uncover ideas you can take directly to your clients. Search and filter by business line, topic or type of concept. Download it. Print it. Learn it. Then contact us to discuss how we can help you implement the solution for your clients.
Our concept library is primarily intended for financial professional use only and is not to be reproduced or shown to clients. For pieces to use with customers, check out the client-facing category. Client-facing pieces are subject to broker-dealer review.
Using a portion of assets, clients could get the certainty of a contractual guarantee of an insurance company, higher than 4%. Then, use that guaranteed income to provide a guaranteed return of their investment principal through a life insurance contract.
Non-spouse beneficiaries of an inherited IRA must take all IRA assets as distributions within 10 years of a death. By purchasing a survivorship life insurance policy and taking systematic withdrawals from the IRA balance, clients can mitigate tax burdens.
Do you know anyone sitting on their existing nonqualified annuity even though they do not need it for income during retirement? See how this couple transferred their nonqualified annuity to a linked benefit annuity to pay for long-term care.
Do you know anyone with a whole life policy that could be repositioned? Learn how this client used her existing whole life policy that she purchased to grow cash value to leave a legacy and protect herself against future long-term care costs.
Knowing the restrictions and requirements for linked benefit solution underwriting can be a challenge. But this quick reference guide can get you started. By identifying the most common ineligible conditions, you can easily determine if your clients can continue with the process.
Group long-term care coverage can provide lower rates and simplified underwriting for employees – as well as tax incentives for a business. This tutorial walks through the benefits, funding options, who receives the benefit and the potential tax deductions for the company.
Clients selling a business or personal property may prefer to liquidate their investment without having all the proceeds taxable in the year of the sale. If so, they should consider selling their appreciated asset in exchange for a guaranteed income stream of periodic payments.
When a client is 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. You can relieve some strains by recommending a structured settlement plan.
Every advisor needs a sustainable marketing strategy to win prospects. Pension Risk Transfer (PRT) marketing is one way to do it. We help you generate income in the defined benefit plan termination market by identifying prospects, accessing technical expertise, and deliver solutions.
Ash delivers comprehensive pension risk transfer services to defined benefit plan sponsors. Our knowledge and processes set the industry standard. Here's how our team can help clients get off the funding rollercoaster.
Buy-sell agreements are frequently funded with life insurance, assuring that if an owner dies, the surviving family has a buyer with the cash to pay a fair price. Whether it's as stock redemption or cross-purchase agreement, it will help remaining owners retain control of the business.
This is your LTC opportunity finder for clients in different life stages. Clients in their 40s have different concerns than clients in their 70s – and a personal experience with long-term care can propel a buying decision. This guide helps identify which demographics to start talking to.