Industry Trends

e-Delivery: Make the Switch


To our partners in protecting lives: 

Life insurance isn’t easy. But that doesn’t mean our work has to be difficult. That’s why Ash Brokerage is rolling out changes that will simplify and streamline your business. To give you better, faster and more accurate service, starting June 5, e-delivery will be used for life insurance cases with the following carriers:

  • AIG
  • Lincoln National 
  • Protective
  • SBLI

E-delivery is just one piece of a suite of electronic tools you can use to make your work easier. I strongly encourage you to take full advantage of our e-application and e-delivery platforms – not just with the carriers listed above, but with any carrier you’re working with. With simplified and streamlined service, you’ll wonder why you didn’t make the switch sooner. 

Your Business, Simplified

By using our full offering of electronic tools for e-applications and e-delivery, you’ll:

Check!   Ensure proper forms are used and apps are in good order (IGO)
No circling back for missing requirements

Check!   Reduce your overhead costs
No printing or mailing required

Check!   Allow clients to engage on their terms
Take delivery on the go; collect signatures from multiple parties at the same time

Check!   Improve cycle times and placement ratios
Close more cases and get your commissions faster


Go Digital and Get More

Earlier this year, our case management teams were restructured to include e-application specialists. Your e-app case manager is trained and ready to help you make an easy transition to our digital platforms. If you haven’t already, you can reach out to them to get started on your next case.

Cases can still be processed via paper application, but after you experience the ease of doing business digitally, you may not want to go back!

Commitment to Service

I promise you this: No matter the case size, we’re here to help. A computer will never replace our care and commitment to you. We’re here to help you build your business and protect your clients’ lives. That will never change.



About the Author


Tim Ash is known as a visionary in the financial services community. He is an industry leader who envisions a future where insurance is easy, affordable and an essential part of a sound financial plan.  

As CEO of Ash Brokerage, Tim has fostered an environment of success with team-focused empowerment and client-centered service. He has built a culture where people not only believe in what they do, but more importantly, they understand the reason behind their efforts. Everyone at Ash Brokerage knows their work makes a difference — in the lives of their clients and their communities. 

e-delivery e-app digital technology electronic submission

‘Opt In’ to Happiness


My daughter is a proud graduate of the University of Connecticut. She has many happy memories of her time there – being part of a sorority and working as a manager for the baseball team, to name a few – but she wasn’t always happy with her experience. 

Dani had a trying freshman year. She was so excited about starting college, full of dreams and enthusiastic about fresh beginnings. Within the first few weeks of arriving, however, the thorns began to appear on her rose … Her roommate, despite much Facebook vetting, wasn’t a good fit … the football stadium was off campus (20 miles away) … she wasn’t sure which major to choose … the campus was in the middle of nowhere and she had no wheels … the cafeterias were no good, and the dorm was old …

“Welcome to real life!” I remember telling her. During our regular phone calls and text conversations, I spent a lot of time listening to her challenges and, when appropriate, helping her think through solutions. More often than not, I talked to her about attitude vs. aptitude, and focusing on opportunities vs. dwelling on the negatives. 

Essentially, we talked about choosing to be happy. For all the difficulties she faced, she also had a lot of really great things happen in her first year of college … She lived away from home for the first time … became a part of a terrific sorority community … got on ESPN at two football games … found some really close friends who turned into future roommates … landed an internship with the Bourne Braves so she could spend her summer on the Cape … And her college experience blossomed from there. 

By focusing on all of her great accomplishments, Dani was able to find her happiness at UCONN. She still had to address those other issues, but she didn’t let them completely derail her. 

So, how do YOU attack difficult situations? "Stuff" happens, but you have the power to determine how it will impact your day. A wise man once told me, “We don t have bad days. We have bad moments that we choose to let become bad hours, bad days, etc.”

When bad stuff happens, take a moment to think about how your reaction will frame the way you feel the rest of the day. That doesn't mean you should let everything roll off your shoulders – because sometimes direct response is needed. But, try not to let that negative event carry over into other parts of your life. "Opt in" to happiness, and you’ll find more opportunities than difficulties.   


About the Author
As executive vice president of life sales distribution, Bob Klein is responsible for all of Ash Brokerage’s life, long-term care and disability income insurance sales. He is driven by his desire to help others get the most out of their natural gifts, and he gets the most satisfaction from seeing others grow and succeed.


random thoughts

Help Your Clients Keep their Money with Custom Structured Settlement Plans


Nearly $6 billion in new structured settlements are issued each year – and many of the victims struggle to manage their settlements on their own. Industry statistics show that two-thirds of every case settled in cash or was referred to a bank, brokerage firm, financial planner or trust company.1 But within five years, 90 percent of claimants have nothing left of their settlements.2

Implementing a sound financial plan with the right combination of investments can prevent this from happening. However, many financial products have costs associated with them, and even though a physical injury recovery is tax-free, once invested, the gains are taxable. 

To better manage settlement proceeds, there are many good options to create a customized plan. Clients may want to consider mutual funds, managed accounts, annuities, life insurance, college plans or long-term care insurance. Some financial products have less risk and others offer guarantees to limit market loss and preserve principal. All of these products can be wrapped up inside trusts to protect the client and their loved ones. As advisors, our job is to offer sound advice about available options and help the client make the best possible decision.

What’s in it for Clients

  • Allows flexibility to access funds for unplanned needs
  • Provides appropriate investment risk as they seek higher returns
  • Diversifies settlement assets to reduce overall investment risk
  • Takes advantage of market changes

What’s in it for Advisors

  • Takes advantage of market changes to achieve greater returns
  • Generates a relationship-based, recurring revenue model that enhances your core practice
  • Creates new opportunities to serve client needs


Winning Strategy

When it comes to structured settlements, it’s important to explore the many options available. You should help your clients find a solution that preserves their settlement and allows for flexibility. 


About the Author

At Ash Brokerage, Steve Pilger helps you deliver the expertise and solutions needed for a comprehensive financial plan.Contact him at or (800) 589-3000 ext. 6828 to discuss a prospective structured settlement case.



1 “Structured Settlements Survey Report”, AIG (2008)

2"California Practice Guide: Personal Injury," The Rutter Group, Ltd. from Flahavan, Rea, Kelly & Tener, (TRG 1992) Ch. 4.

Structured Settlements

Stay Active, Stay Positive


As one of the more “senior” employees at Ash Brokerage, I know firsthand the difference a healthy lifestyle can have on your body and mind, no matter your age.

About seven years ago, a friend talked me into running at Fort4Fitness, a local festival of races including a 4-miler, 10k or half-marathon. After that race, I was hooked. I started jogging in at least one 5k race every month. Last year, however, I put away the jogging shoes and picked up a bicycle – easier on the knees and I can coast! 

No matter the workout, I know being active has made a difference, and I’ve realized two things. One, I feel better and exercise helps me keep a positive attitude. Two, my lifestyle has influenced the people around me – they see my achievements and are motivated to make their own. 

Remember to take any training just one step at a time. I hope to see you this fall at Fort4Fitness – it will be No. 7 for me!

Blogs: 3 Things (x3!) To Get Started


Blogging doesn’t have to be hard. I work with a lot of professionals who say they’d like to blog but have no idea where to start, or they don’t see the value. Well, I’m here to tell you blogging can be well worth your time if you approach it the right way. Here are my thoughts to get you started. 

3 Reasons You Should Be Blogging

  • Engagement – Blogs allow you to personally connect with your clients; they give you a chance to capture and hold their attention, and potentially interact through discussion and shares on social media.

  • Thought Leadership – By sharing your insights and knowledge with others, you could be seen as a respected resource for information and advice – isn’t that what we all want? 

  • Branding – Your brand is your story, so get out there and tell it! A blog is a great platform to explain your purpose (WHY you do what you do, not WHAT you do), and share your personality.

3 Ideas to Write a Post

  • Tell a Story – It could be about a case that changed the way you do business, or how running a marathon taught you a life lesson. Either way, personal stories make for good reading. 

  • Give an opinion (on a current event, article or trend) – What did you think of that big thing on the news last week? Did you read a book that you really liked? Share your thoughts. 

  • Offer Assistance – Think of simple advice, tips or directions you can give to make your clients’ lives easier. Steer away from complicated or regulated information – make the action steps easy to implement, or offer links to other resources they may find helpful. 

3 Things to Remember 

  • Keep it Simple – You don’t have to use impressive language or dive into technical subjects – the tone should be conversational. The best writing comes from the heart.

  • Keep it Regular – Don’t write one post and wait a year to write another. Choose a schedule – weekly, monthly or quarterly – and stick to it. This will help you build your audience over time.

  • Keep it Short – Our attention spans are shorter than that of a goldfish. If you make your point in as few words as possible, more people will read your posts from start to finish. 

Now it’s up to YOU! Get out there and get writing – and sharing – your blog. You likely won’t have a viral hit with your first draft, but the more you post, the more you’ll see the impact you can have. 

blogging writing