Are you leaving money on the table?

Are you leaving money on the table?

Learn how you can easily offer additional financial planning to round out your offerings - without adding staff or stress.

Learn how you can easily offer additional financial planning to round out your offerings - without adding staff or stress.

ASNOA Life Division

Full-Service Financial Planning

Wealth Management in a Box is a turn-key, actionable and time-tested platform that focuses on integrating comprehensive risk management with financial advice. This ASNOA program is designed to help you identify new opportunities and develop an overall marketing strategy to enhance your brand.
  • Retirement Income Planning

  • Life Insurance Planning

  • Medicare Planning

  • 401(k) Business Planning

  • Social Security Planning

  • Asset Preservation

  • And Much More

Financial Planning

Offer More with Less

Grow your practice, increase your wallet share, and enhance your revenue.

According to a new research paper by Chubb and Oliver Wyman titled “The Overlooked Gap in Financial Advice", more than three-quarters of successful individuals want their P&C needs addressed by their financial advisors – but only 28% of advisors currently provide P&C support. Integrating wealth planning into your offerings allows you to become a true client advocate. You would be able to consider the impact of all financial decisions for your client's overall situation, helping to truly move your clients closer to their goals.

Working Together to Provide Solutions for You

By implementing a client-first approach to risk management fueled by exceptional service, Wealth Management in a Box refines a process for affiliates to build long-term client relationships based on trust and an unwavering commitment to understanding each unique client journey.

The platform is powered by Creative One, one of the largest independent marketing organizations in the U.S. and an industry-leading diversified financial services organization focused on annuities, life insurance, and investment services. Founded in 1984, Creative One services thousands of insurance and financial professionals nationwide by providing exclusive products, trendsetting lead-generation tactics, and innovative marketing. Learn more at creativeone.com.

More Money for Your Client

Help Your Clients Get More Money

Life Settlements

Life settlements are an alternative to the surrender or cancellation of a life insurance policy. Your clients can receive a lump sum cash settlement exceeding the surrender value for unwanted life insurance policies. This has created new financial planning opportunities for many individuals, businesses, and estates.

What are the Advantages?

  1. 100% of insureds who qualified/chose life settlement received amounts greater than the surrender value.
  2. Individuals were able to discard or donate an unwanted asset while retaining all future premium payments.
  3. Participants received a cash settlement well in excess of policy lapse or policy surrender proceeds (with an average of four to seven times more).

When Is This Needed?

Personal Circumstances

  • The policy hasn't performed as anticipated
  • The beneficiary is deceased
  • A divorce changes planning needs
  • Other financial need changes

Business Settings

  • Buy or sell funding is no longer required
  • A key-person has left the company
  • The business is sold

Estate Planning

  • Change in estate size
  • Changes in tax law
  • Beneficiary changes
  • Altered estate plan or desires

Charitable Giving

  • A change in circumstances creates new gifting opportunities
  • A new desire develops to endow favorite non-profit(s)
  • The client learns he/she can retain a portion of the earnings and gift the balance

Clients Benefit & So Do You

AgeSexFace AmountTypeCSV ValueSettlement Amt.Multiple of CSVAdvisor LS Comp.
64M$1,000,000Tm$0$635,000****%$25,000
90M$2,500,000UL$105,000$985,0009x +$62,500
84M$10,000,000UL$60,000$1,800,00030x$180,000
82F$2,000,000Surv$30,050$314,00010.5x$50,000
73M$10,000,000UL$307,000$2,385,0008x$238,500

Requirements to Qualify:

  • Age 65+ with life expectancy of 2-12 years
  • Policy face amount of $100,000+
  • Term must be convertible to UL
  • No medical exams required

Types of Policies that Qualify:

  • Universal, Whole & Variable Life
  • Indexed
  • Convertible & Group Convertible Term
  • Survivorship or First to Die

Contact Marc Ruskin, ChFC, CLU, REBC, RHU for more information on ASNOA's Life Settlement program.

Call 866.484.9849 or email mruskin@asnoa.net.

Ready to start making more?

Contact us today and speak with a representative who can explain how you could make more with ASNOA.