Stay ahead in the dynamic landscape of retirement planning! Whether you're new to annuities or looking for more advanced planning concepts, Ash Retirement University provides a solid foundation for moving forward. Explore the library of videos below!
Welcome — What To Expect
A brief overview of what to expect from Ash’s Retirement University, including how it is organized, the type of topics covered and how to build your practice.
2 minutes | Level 100 | Annuity Basics
What Is An Annuity
Perfect for anyone just getting started, this video explains the basic features and benefits shared by annuities, as well as the different types available.
3 minutes | Level 100 | Annuity Basics
Life Insurance vs. Annuities
Discover the similarities the two products share, as well as where they differ, including uses, taxation and underwriting.
6 minutes | Level 100 | Annuity Basics
Annuity Contracts
Understand the roles of the four necessary parties of an annuity contract: an insurer, an owner, an annuitant and a beneficiary.
2 minutes | Level 100 | Annuity Basics
Annuity Phases
See how annuities work during accumulation, when the client is building assets — and decumulation, when the client is ready to take payments.
4 minutes | Level 100 | Annuity Basics
Income Annuities - Temporary vs Life Payouts
When it’s time to take money from an annuity, the payout can be temporary or for life. Find out how the options work.
7 minutes | Level 100 | Annuity Basics
Benefits of Annuities: S.P.L.I.N.T.
When explaining annuities to clients, consider these six discussion points as a way to guide the conversation toward success.
2 minutes | Level 100 | Annuity Basics
Market Value Adjustment (MVA)
Many annuities contain an MVA, which may impact the surrender value or withdrawals from the contact outside of a permitted window.
2 minutes | Level 100 | Annuity Basics
Fixed Annuities
With a modest guaranteed rate of return, fixed annuities are among the most conservative on the market.
3 minutes | Level 200 | Types of Annuities
Fixed Indexed Annuities
FIAs offer downside protection with upside potential. With a 0% floor, FIAs are more conservative than variable annuities and may appeal to clients.
3 minutes | Level 200 | How Components Work
Multi-Year Guaranteed Annuities (MYGAs)
A form of fixed annuities, MYGAs offer a predictable and steady rate of return with a chance to renew, or replace, the annuity at the end of each term.
3 minutes | Level 200 | How Components Work
Registered Indexed Linked Annuities (RILAs)
RILAs are both the newest and fastest-growing category of annuity products, combing features from both indexed and variable annuities.
3 minutes | Level 200 | How Components Work
Variable Annuities
With funds invested directly in the stock market, variable annuities offer unlimited potential, but also exposure to market loss.
3 minutes | Level 200 | Types of Annuities
Exploring Types of Income Annuities
Dive deeper into payout options, contract provisions and how to turn a stream of retirement income on for your client.
2 minutes | Level 200 | Types of Annuities
Living Benefit Riders
Find out how the most common type of living benefit rider generates a stream of income without annuitizing the contract.
6 minutes | Level 200 | How Components Work
Navigating Required Minimum Distributions
Understanding the scope, calculation, timing and withdrawal procedures for RMDs is critical for an effective retirement plan.
3 minutes | Level 200 | How Components Work
Longevity Credits
Your client’s greatest risk is that of living too long. Find out how a unique feature offered with some annuities can combat that risk.
3 minutes | Level 200 | How Components Work
Access to Funds
Find out how to get income out of different types of annuities, and which seems to make the most sense for a particular situation.
3 minutes | Level 200 | How Components Work
Immediate vs Deferred
Immediate annuities begin paying an income within 13 months of the contract being issued, whereas deferred annuities begin later.
3 minutes | Level 200 | Comparison Insight
Defined Benefit vs. Defined Contribution
Defined benefit plans put risk on the employer, whereas with defined contribution plans the risk stays with the employee.
3 minutes | Level 200 | Comparison Insight
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