Even if Medicare isn't your focus, your clients need to understand their options. When your goal is to cover every aspect of your client's wellbeing, that can be intimidating. Lucky for you, you've got a partner who will take it off your plate!

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 piece walks you through the step-by-step of getting a life insurance, LTC or disability case processed.

Annuities introduce a complex interplay of risks for insurers and annuity holders, such as the potential for withdrawals during low investment market values. Check out these scenarios to see how Market Value Adjustment features work and how they can help the annuity holder share the risk.

In years when the S&P 500® Index is negative, fixed indexed annuities (FIAs) can be a client's hardest-working asset. Supported by a minimum guarantee, FIAs provide an opportunity to accumulate value on the appreciation of the S&P, without losing premium when the S&P was negative.

Your path to success starts with our Client Experience team. From what to expect on your first call to an overview of the Ash's resources – they'll make sure you have everything you need to navigate your partnership with Ash. Here's how you can use the team to your advantage.

Many things keep business owners up at night, including taxation and protecting against the loss of key employees. Corporate-owned life insurance (COLI) can help with both. In this solution, we'll look at COLI as an institutionally priced cash value life insurance product.

Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.

For clients who rely on interest from CDs for retirement income, annuities may provide a better alternative. A single premium immediate annuity (SPIA) with a full return of premium (ROP) rider can generate significantly more annual lifetime income. In this example, 6x higher!

Don't create a false expectation based on a best-case scenario. With DI PreView, you can email or text your clients a personalized, secure questionnaire to get an accurate snapshot of their health history so you can recommend the right product quoted at the right price.

Unlike an annuity, which offers straightforward guaranteed payments, a LIRP (life insurance retirement plan) is a little more nuanced and not for everyone. Use this flow chart to find out if your client is a fit.

From initial case design to underwriting support and advanced marketing strategies, our dedicated team will guide you toward optimal outcomes for your clients. Use this flow chart to see how we can help you through every step of the insurance process.

Your goals can change in just a few years. There may be a different solution that could help you better achieve your new goals or maybe market changes created new opportunities you're not aware of. With the Annuity Audit, you can ensure your coverage keeps up with all of life's changes.