Pension plans have been creating financial havoc for years. Volatile balance sheet liabilities, increased government fees, high professional fees and looming required contributions are causing sponsors to want to shed their pension plans. The answer to de-risking lies in the approach.

It's important to prepare clients for a successful underwriting outcome. After an application is submitted, many insurance carriers require a phone interview as part of the underwriting process. Here are some things to know to keep the experience positive for your clients.

A DI conversation about paycheck protection doesn’t have to be complicated. You just need to be prepared for what clients are likely to say. This five-step plan will give you key questions to ask – and the confidence to bring up disability insurance in your next appointment.

Premium finance can often seem complicated. But understanding how to leverage other people's money to enhance life insurance objectives just got simpler. From describing how it works to outlining the steps to get started, this summary makes understanding the basics of premium finance easy.

Arm yourself with 10 reasons why a business owner should be offering long-term care coverage for their employees. From raising productivity, to streamlined applications and payroll deductions, the message is the same: Employees need LTC coverage and offering it is easy.

Health care, including long-term care, is a regular topic of conversation for people in their 60s. It comes up around the dinner table. And it needs to come up in your planning conversations. But these clients don’t just need talk – they need action. Help them create an LTC plan.

All the money in the world can’t buy good health. Your wealthiest clients have the same likelihood of needing extended health care as everyone else – and they know it. Don’t rule out these clients because you mistakenly think they can – or want to – self-insure for long-term care.

This is one situation in life where you really do know what you're gonna get. Download a sample output of our Ash Annuity Audit to see what's included in the analysis. It will help you help your clients understand their current annuity contracts and identify potential next steps.

By planning “early” for long-term care, your clients can potentially save money – and make underwriting easier. Good prospects may have experienced a family member who needed care – or they are high-income earners who want to take a future LTC concern off their shoulders.

This is the sweet spot for LTC sales. Clients in their mid-50s are the most likely to purchase long-term care insurance because they are still earning income, but need to have a solid picture of how their retirement will look. See what to look for so you don’t miss a window of opportunity.

Qualified plans offer a solid strategy for postponing taxes, yet it's crucial to acknowledge these taxes will eventually come due – typically during retirement when the money is likely to be needed most. Our proposed "retirement reset" could help evade this impending tax burden with minimal or no upfront tax expense.

Whether you need help with a quote or are ready to submit a case, you need to know what to do before and after submitting business. This flier walks you through the step-by-step of getting an annuity case processed.