A permanent life insurance policy could be one of the most valuable assets your clients own. You can be confident their policy is performing to its full potential with the comprehensive Ash Life Audit. This piece provides a brief overview of the benefits and the audit process.

Protection from the unknown. Financial leverage. Tax efficiency. There's no doubt that life insurance is a good tool for your clients. But it's also good for you and your business. Get the highlights of how selling life insurance can be a simple way to help your business grow.

Long-term care planning is changing. Aging and longevity create unique challenges that extend beyond income and assets. Take the first step to explain how LTC can be made simple. This guide walks through talking points covering common client concerns and how to position solutions.

Get a reference on the tax treatment of long-term care premiums for business owners! This easy-to-read chart shows five business types, with key deductibility information on premiums for owners, employees and spouses, as well as reported income and eligible premiums.

Good planning starts with asking the right questions. This workbook will help you stay organized through the retirement planning data gathering process. There is room to record employer information, proposal census data, retirement plan design, goals and related notes.

Disability overhead expense coverage can keep the lights on when something unexpected happens. The first step is to consider how much to cover. Help business-owner clients detail monthly operating expenses to see how they can be covered if they cannot work.

A financial plan has many important pieces, but your client’s ability to earn an income makes everything else possible. People insure their homes, cars and personal property, yet fail to insure the thing that makes it all possible. See how to protect their income with disability insurance.

When two business partners wanted disability insurance coverage, a multi-life discount provided an overall lower premium, plus coverage for an additional employee. See how the math worked out for these partners to save 23% while providing an added benefit for a key employee.

This discussion outline helps establish a need for business owners to create a guaranteed issue life insurance program. Common needs are buy-sell for businesses with a lot of stockholders or members, key person business protection or key employee benefit packages.

Employer-provided long-term disability coverage is a start. But, there’s a cap on monthly benefits, and highly paid employees take a big pay cut if they go on claim. An individual DI policy can supplement group coverage and replace more income when clients need it most.

With a variety of available disability insurance plans, you’ll be able to help clients in a variety of different occupations and circumstances, including business owners, find the best income protection solution.

There are five things you need to know to effectively sell disability insurance. This brief eBook covers who you should talk to, what companies offer coverage, key terms you should know, how to get started and why income protection matters to you and your clients.