FAQs

Life Insurance

How do I get a quote for term insurance?

For term life insurance quotes, we recommend you use our Ash Term Express platform. You'll achieve higher placement rates and get policies issued quickly – all in one simple tool.

Available by logging on to the Advisor Portal, Ash Term Express takes the guesswork out of the quoting process. Using insights about health guidelines and accelerated underwriting options, you can easily identify the best match in every situation. And, you can save your quotes for quick retrieval when it's time to start an application.

If you need assistance finding or using the tool, please contact us.

How do I get a quote for permanent life insurance?

The easiest way is to call the Life Marketing team so we can talk through your client's unique goals and considerations. You can also log in to the Advisor Portal and run an initial quote through iPipeline.

For complex cases, you may want to start by gathering your client's health information using our Life PreView tool. Or you can complete a traditional quote request form to gather the information we'll need to prepare a custom illustration.

How do I get contracted through Ash to sell life insurance?

Everything is done online through an electronic contracting system called SureLC. You'll want to log in to the Advisor Portal. From the homepage, click on the Contracting tile, then choose Online Contracting.

For the initial setup, your information pulls directly from the National Insurance Producer Registry – it may be as easy as verifying no changes are needed or completing your profile that includes submitting your signature card, Errors and Omission coverage, AML, and if direct paid, direct deposit information.

After setting up your initial profile with our online contracting system, you can request additional insurance carrier contracts at the click of a button. You can also update any contracting documents such as AML, E&O, or bank information. No more unnecessary duplication of efforts, redundant questions or searching for up-to-date paperwork. It’s fast, paper-free, and it’s always available when you need it.

If you need help with, our Commissions and Contracting team is available to make sure the insurance process never stands in the way of progress.

What is Accelerated Underwriting (AU)?

Evidence shows that approval and placement rates are higher with accelerated underwriting (AU). On average, AU cuts the processing time by three weeks. It’s faster and more convenient for you and your client because underwriting is completed based on data, instead of on labs and medical records. And it means less time for clients to change their minds and decline coverage.

But with traditional quoting software, it can be hard to detremine which carrier's accelerated underwriting is best for your client, or if they will qualify. With Ash Term Express, we’ve filtered through all carriers’ constantly changing AU programs to bring you the best fluidless underwriting programs. The platform intuitively understands which carrier’s AU process is best for your client, providing an AU score for each program. The AU score is based on AU policy limits, probability of approval as applied for, and average time to place an AU policy.

What life insurance companies are available in Ash Term Express?

An application for all of Ash’s carriers can be submitted through Ash Term Express.

Our top 20 life insurance carriers will be available to you in the Ash Quoter within the Ash Term Express platform. The platform will ask upfront questions to surface the best solutions for the client.

For New York clients only. All carriers can be quoted on the Ash Term Express platform. Ash Term Express applications for three NY carriers (AIG, Prudential and William Penn) with accelerated underwriting is available, if your client qualifies.

What is a 1035 exchange?

A 1035 exchange is the exchange of an insurance contract for another that meets all the requirements of Section 1035 of the Internal Revenue Code (IRC 1035). When a contract is exchanged under IRC 1035, the gain or loss of the exchanged contract is transferred to the new contract. Requirements for non-taxable treatment include:

  • The owner and the insured/annuitant on both contracts must be identical
  • The contract being exchanged must be in force. If the contract is maturing, the 1035 exchange must be signed prior to the maturity date

How do I access Ash Term Express?

Visit your Ash Advisor Portal. On the homepage, click the Ash Term Express tile.

How will I receive updates on my cases submitted through Ash Term Express?

Visit your Ash Advisor Portal and select Cases. You will be able to view all updates regarding your submitted case.

Why should I use Ash Term Express versus iPipeline?

The Ash Term Express platform is built on data for clients just like yours. You can be sure the platform quickly analyzes the client’s information and lets you see which accelerated underwriting program is best, if applicable. And, it tailors necessary information based on client responses and carrier selection, so no time is wasted answering unnecessary questions. It also guides you to the most accurate health class, so you get the quote right the first time.

Information entered into the Ash Quoter flows straight into the Ash Express Application, so you save time and don't have to enter information twice.

Retirement Solutions

Where can I find current annuity rates?

Up-to-date rate information - including best-in-class product picks - is always available on our Advisor Portal - just select Annuities from the Product menu and click Annuity Rate Watch. Due to the volatile interest rate environment, all information should be verified prior to presenting to clients. Please contact us prior to quoting. Rates are deemed accurate but not guaranteed.

How do I get contracted through Ash to sell annuities?

Everything is done online through an electronic contracting system called SureLC. You'll want to log in to the Advisor Portal. From the homepage, click on the Contracting tile, then choose Online Contracting.

For the initial setup, your information pulls directly from the National Insurance Producer Registry – it may be as easy as verifying no changes are needed or completing your profile that includes submitting your signature card, Errors and Omission coverage, AML, and if direct paid, direct deposit information.

After setting up your initial profile with our online contracting system, you can request additional insurance carrier contracts at the click of a button. You can also update any contracting documents such as AML, E&O, or bank information. No more unnecessary duplication of efforts, redundant questions or searching for up-to-date paperwork. It’s fast, paper-free, and it’s always available when you need it.

If you need help with, our Commissions and Contracting team is available to make sure the insurance process never stands in the way of progress.

Where can I find annuity training requirements?

All training requirements can be found by logging in to the Ash Advisor Portal. Once logged in, scroll to the bottom of the page and click Training Requirements under the Contracting header. You can also look the pre-appointment requirements up by state by clicking Pre-Appointment under the same menu.

Each state and insurance carrier has different requirements, and many require you to complete training or be appointed prior to soliciting business. In those states, if an application is submitted before contracting is complete, the application cannot be accepted and a new application may be required.

How do I submit an electronic annuity application?

With no ticket charge for you or your firm, FireLight is an electronic annuity application platform that makes doing business faster and easier – from anywhere.

It’s another tool in our partnership to support you from a fiduciary standard perspective. You’ll always have the most up-to-date forms, alleviating the back and forth of gathering requirements. And, with apps in good order 91 percent of the time, plus the ability to sign from any location, it nearly eliminates the need to return to clients for extra information.

For more details check out the Quick Reference User Guide.

What does it mean to annuitize?

To annuitize is to convert the accumulated value of an annuity into a stream of income. The payments may be a fixed amount for a fixed period of time or for a lifetime.

What is a direct transfer?

A direct transfer is a method of moving qualified funds from one trustee to another without triggering a taxable event. Transfers often occur between two financial institutions but they can also be between contracts or accounts at the same institution. To qualify as a transfer:

  • It must be between “like kind” plans (e.g. Traditional IRA to Traditional IRA, TSA (Tax Shelter Annuity) to TSA
  • There must be no constructive receipt of the funds. In other words, the check must be payable and directed to the receiving financial institution as trustee

What is a direct rollover?

A direct rollover is a method of rolling certain distributions from a qualified retirement plan or TSA to another kind of qualified retirement plan (e.g. TSA to a Traditional IRA, 401(k) to a Traditional IRA). To qualify as a direct rollover:

  • The funds distributed must be an “eligible rollover distribution” which can generally be described as a distribution received upon a qualifying event such as retirement, termination of employment, attainment of age 59½, or disability. Regulations specify certain items that are not considered eligible rollover distributions (e.g. required minimum distributions)
  • The receiving qualified retirement plan must allow rollovers from other parties
  • The funds must be transferred directly from one financial institution to another for your client’s benefit. In other words, the check must be payable and sent to the receiving financial institution as trustee

What is a 1035 exchange?

A 1035 exchange is the exchange of an insurance contract for another that meets all the requirements of Section 1035 of the Internal Revenue Code (IRC 1035). When a contract is exchanged under IRC 1035, the gain or loss of the exchanged contract is transferred to the new contract. Requirements for non-taxable treatment include:

  • The owner and the insured/annuitant on both contracts must be identical
  • The contract being exchanged must be in force. If the contract is maturing, the 1035 exchange must be signed prior to the maturity date

Long-Term Care

How do I get a long-term care quote?

Your goal for an initial long-term care planning conversation should be to simply confirm the need to create a plan. Don't make it about price or start with a quote for an insurance-based product.

If you've had a good conversation that led to the possibility of using long-term care insurance, we'd love to talk to you about your client's goals, funding strategies and health. You can call us, use the LTC PreView tool on the Ash Advisor Portal, or start by completing our LTC quote request form.

Will my client qualify for long-term care?

LTC underwriting depends on what medical conditions your client has and how well-controlled they are. Although we can’t be sure of what’s in a client’s records, pre-qualifying your client is the best way to get a realistic idea of approval. Our LTC PreView tool is a great way place start.

How do I get contracted through Ash to sell LTC?

Everything is done online through an electronic contracting system called SureLC. You'll want to log in to the Advisor Portal. From the homepage, click on the Contracting tile, then choose Online Contracting.

For the initial setup, your information pulls directly from the National Insurance Producer Registry – it may be as easy as verifying no changes are needed or completing your profile that includes submitting your signature card, Errors and Omission coverage, AML, and if direct paid, direct deposit information.

After setting up your initial profile with our online contracting system, you can request additional insurance carrier contracts at the click of a button. You can also update any contracting documents such as AML, E&O, or bank information. No more unnecessary duplication of efforts, redundant questions or searching for up-to-date paperwork. It’s fast, paper-free, and it’s always available when you need it.

If you need help with, our Commissions and Contracting team is available to make sure the insurance process never stands in the way of progress.

What is the best way to approach LTC with my clients?

Don't make it about insurance, product or cost. Start a planning conversation to determine their goals and mindset.

You can find conversation starters and ideas for overcoming objections in our LTC Conversation Guide.

Won't Medicare and Medicaid provide basic long-term care coverage?

Most individuals who need ongoing care require assistance with day-to-day living, not skilled medical attention. Medicare only covers skilled care after hospitalization, which would not help in those circumstances. It’s designed to pay for severe, short-term illness only.

Medicaid is essentially a welfare system – and it feels like it. If your client’s plan for long-term care is to spend their entire life savings, only to end up on welfare, then why plan for retirement at all?

For more information on how to guide clients through a planning discussion, check out our Conversation Guide to Long-Term Care or contact us.

What is an LTC partnership plan?

Partnership plans are LTC policies that meet state guidelines and are designed to make it easier to qualify for Medicaid after exhausting private LTC benefits. In most states, every $1 of received LTC benefits protects $1 of the client’s assets from spend-down should the client need Medicaid later. The client still needs to meet all other eligibility requirements, and careful attention should be paid when the client purchases the policy in one state and wants to use it in another.

Can you help me explain the illustration to my client?

We are available to join you on client calls and walk you and your client through the different parts of an illustration, answer questions and help you both feel confident about what’s being quoted. Just talk to our LTC team to schedule time.

Which long-term care solution is best for my client?

That depends on your client’s goals and funding. Talk with your client about what they want to do and then select the type of coverage that meets those goals best.

Is there still a market for traditional LTC?

Absolutely. Traditional LTC appeals to clients that are interested in robust coverage and the ability to customize coverage.

At what age can someone still get an LTC plan?

We have carriers that will write up to age 79 for traditional coverage, 80 for linked benefit based on life insurance and age 85 for lined benefit based on annuity coverage. Benefits might be limited at older ages, and health conditions can make it harder to qualify.

At what net worth should someone self-insure for long-term care?

Although wealthy clients can choose to self-insure, it’s usually more cost-effective to transfer at least some of the risk to an insurance company.

What should my client do about the rate increase letter they received?

What they should NOT do is cancel their coverage. Instead, talk with our LTC team about the case. We can help with ways to modify benefits and keep the coverage in force.

Can I use cash value from a life policy for a hybrid LTC policy?

In most circumstances, cash value can be transferred with a 1035 exchange to a hybrid life insurance policy. By using a 1035 exchange, the client doesn’t experience a taxable event.

Why are the female rates so much higher than the male rates?

Unlike life insurance, LTC costs are lower if someone lives for a shorter time. Since women tend to live longer than men and use more long-term care benefits, it costs more to cover them. And that means higher rates.

What is a 1035 exchange?

A 1035 exchange is the exchange of an insurance contract for another that meets all the requirements of Section 1035 of the Internal Revenue Code (IRC 1035). When a contract is exchanged under IRC 1035, the gain or loss of the exchanged contract is transferred to the new contract. Requirements for non-taxable treatment include:

  • The owner and the insured/annuitant on both contracts must be identical
  • The contract being exchanged must be in force. If the contract is maturing, the 1035 exchange must be signed prior to the maturity date

Disability Insurance

How do I get a disability quote?

There are a lot of factors involved with each opportunity, and because of the complexity, DI quotes can’t be run online. We’ll create an illustration tailored to your client, then give you the product-specific ideas and sales support to help secure the deal. You can start by giving us a call or filling out a quote request form.

Will my client qualify for DI coverage?

The process of determining if your client will qualify for disability insurance is called underwriting. Underwriting for DI is different than life insurance underwriting, since DI coverage protects against the risk of morbidity, while life insurance uses mortality data to assessing the likelihood of death.

Disability insurance carriers exclude certain occupations from coverage, but eligibility is primarily based on the information you can provide about your client. This process is called field underwriting — your initial data gathering before any quotes are run. The more our team knows, the better we can determine if your client will qualify. Some key factors include:

  • Occupation with specific daily duties
  • Date of birth, height and weight
  • State of residence
  • Tobacco user status
  • Any medical issues, including back or heart trouble, sleep apnea, stress, anxiety, depression, etc.
  • Income/business information
    • Employees: W2 income
    • Business Owner: Net taxable reportable income, how long they have owned the business and how many employees they have

If you need help asking the right questions, our DI Quote Request form is a good place to start, or you can call our team to talk through your client’s eligibility.

How do I get contracted through Ash to sell DI?

Everything is done online through an electronic contracting system called SureLC. You'll want to log in to the Advisor Portal. From the homepage, click on the Contracting tile, then choose Online Contracting.

For the initial setup, your information pulls directly from the National Insurance Producer Registry – it may be as easy as verifying no changes are needed or completing your profile that includes submitting your signature card, Errors and Omission coverage, AML, and if direct paid, direct deposit information.

After setting up your initial profile with our online contracting system, you can request additional insurance carrier contracts at the click of a button. You can also update any contracting documents such as AML, E&O, or bank information. No more unnecessary duplication of efforts, redundant questions or searching for up-to-date paperwork. It’s fast, paper-free, and it’s always available when you need it.

If you need help with, our Commissions and Contracting team is available to make sure the insurance process never stands in the way of progress.

What financial requirements are needed?

This is a critical aspect for DI underwriting. For W2 you'll need last year’s W2 and a recent pay stub. For business owners, you'll need the last two years of tax returns with all schedules. We'll serve as your client’s advocate with insurance company underwriters.

What carriers does Ash offer for DI?

Ash Brokerage has a range of solutions available to meet your clients’ needs. Our carriers have white-collar, middle America or special/impaired risk focuses:

  • For white collar, Petersen International, Principal and The Standard
  • For middle America, Assurity, Illinois Mutual and Mutual of Omaha
  • For blue collar, Assurity, Fidelity and Petersen International

When will my clients receive DI benefits?

Clients receive benefits after incurring a qualifying disability and satisfying the policy’s waiting period, often referred to as an elimination period. As a rule, the shorter the elimination period, the more expensive a policy will be. It’s important for clients to understand that benefits are typically not paid until the end of the month following the elimination period.

  • Most people choose either a 90-day or 180-day elimination period
  • Clients will want to consider their available savings and assets when making this choice

How long will my client receive DI benefits?

The answer is twofold. First, when clients are disabled, the benefit period is the length of time they’re paid. The shortest option is two years, but the most common benefit period is five years. Second, their policy will have an age limit – most people purchase coverage that lasts until age 65.

  • Clients should buy a policy with the longest benefit period they can afford
  • Coverage may be adjusted for a longer benefit period in the future; additional underwriting may be needed

How much coverage can my clients purchase?

Benefits are based on a percentage of your client’s income. The maximum amount depends on a variety of factors, such as current income, occupation and existing coverage.

How much will a DI policy cost?

Policies can be designed to meet most needs and budgets – from maximum income protection to safeguarding specific expenses, such as a mortgage. Typically, premium costs between 1 and 3 percent of the client’s annual income.

Technology & Innovation

Are all insurance lines of business included on In-Force Vision?

The platform currently includes updated case information for both life insurance and annuities. Business details for DI, LTC and linked benefit product lines will remain visible in the Cases section on the Ash Advisor Portal.

Why don’t I see all my Ash Brokerage cases on In-Force Vision?

We're only dispalying information in In-Force Vision that we can verify is current and accurate. The data is coming directly from the insurance carrier partners, and while we have a large number of them connected, not all carriers are participating. If a specific policy is not shown on In-Force Vision, it means we are not getting currently recieving updated data feeds on it from the carrier.

If a policy is not showing in In-Force Vision, your entire book of business placed through Ash Brokreage can always be viewed from the Cases section of the Advisor Portal.

Does In-Force Vision show policies I placed outside of or before my relationship with Ash Brokerage?

Due to carrier hierarchy and compliance arrangements, we can only access and display policy details for cases written through Ash Brokerage. We are actively working to find a solution to include outside production and will provide updates on that process as we are able to.

How often are the carrier scores and processing times updated in Ash Term Express?

Data is updated once a month. Data surfaced is based on the previous six months of information collected.

How often does the In-Force Vision policy information update?

Ash Brokerage is receiving in-force updated information from each carrier approximately once a month. The date of the updates varries across the carriers and is reflected on the case details under the Last Updated section.

Cases placed in force will not be immediately available for viewing, but will be included on the next update cycle for that company.

Can I see information for an entire office or multiple advisors at once?

Currently, you can see case information for one advisor at a time. If you have delegation access to view cases for other advisors, you can do so, but separately. Also, cases currently only show up for the writing, primary advisor when multiple advisors are splitting commission on a case. We plan to add the ability to view multiple advisors, full office policies and split case details in future system enhancements.

Why do term policies on In-Force Vision list an “estimated” Last Conversion Date?

Insurance carriers do not provide the final conversion date to us. The Ash system has gathered historical conversion rules from all the carriers and uses logic to estimate the conversion timeframes. Please reach out to our Ash Policy Owner Services team at policyownerservices@ashbrokerage.com to confirm any details prior to submitting a conversion application.

How can I get more details on a policy that’s not included on In-Force Vision?

If you would like to obtain additional information on any specific cases, please reach out to our Ash Policy Owner Services team at policyownerservices@ashbrokerage.com.

It's our pleasure to help gather information on cases and assist with post-issue service items. Please note that while we do not have the capacity to proactively research all policies not included on In-Force Vision at the same time, we will be happy to help on a case-by-case scenario as the needs arise.

How do I access Ash Term Express?

Visit your Ash Advisor Portal. On the homepage, click the Ash Term Express tile.

Why should I use Ash Term Express versus iPipeline?

The Ash Term Express platform is built on data for clients just like yours. You can be sure the platform quickly analyzes the client’s information and lets you see which accelerated underwriting program is best, if applicable. And, it tailors necessary information based on client responses and carrier selection, so no time is wasted answering unnecessary questions. It also guides you to the most accurate health class, so you get the quote right the first time.

Information entered into the Ash Quoter flows straight into the Ash Express Application, so you save time and don't have to enter information twice.

Working With Ash

Do I need to complete training before taking my application?

In most cases, training is required to be completed prior to taking an application.

Information on training required for New York, Long-Term Care and Linked Benefit products, and Annuities can be found by logging into our Advisor Portal, clicking the Contracts tile on the homepage, then the Resources and Requirements tile.

What are your hours of operation?

We seek to be responsive and available when you need us. Between 7 a.m. and 6 p.m. Eastern your call will be answered and directed by a real person. With a nationwide presence, your dedicated Ash team may be available outside these hours based on regional support.

You can always get up-to-date information on your cases, run a quote or submit an electronic app by logging in to our Advisor Portal.

How do I know who to contact within the Ash organization?

With such a large team to support you, we don't have a single department contact list. Our promise is to match you with dedicated individuals, so you always feel like you know who to reach out to. We believe phone calls should be answered by real people, so you can always call (800) 589-3000 and we'll direct your call.

If you are looking for a specific department, start with our find a contact section. It contains some friendly faces from each area of our business who can answer your question or get you to someone who can. You can also complete our contact form if you have a general question and don't know where to direct it.

If you still feel lost, reach out to our Client Experience team and we'll point you in the right direction!

How can I check my case status?

If you want to get a clear look at all your cases, the best way is to log in to the Advisor Portal. Click on the Cases tile on the homepage to view your entire case history. You can also run reports by line of business, status, date or just about any field in our system.

For specific questions, your case manager is always available to provide updates in whatever form it's best for you. From scheduled reports to recurring status calls, we'll keep you informed on the process from application through delivery. If you don't know who your case manager is, you can find a contact to get in touch with a case manager who will get you to your dedicated resrouce.

What happens after I submit an Ash Term Express application?

Your Ash team and the carrier are instantly notified that a new application is submitted, and they are able to take action and move the case to the next step. Ash and the carrier will handle communication with the client. You can review the status by visiting your Ash Advisor Portal and clicking on the Cases tile on the homepage.

If your client does not qualify for accelerated underwriting, we will provide an alternate submission process for traditional underwriting. Your client will need to sign the application, which will be collected electronically at the client’s convenience.

Do I need to be contracted before I write an application?

In most cases, you will not be required to be contracted prior to writing an application.

Most carriers follow a process called Just-In-Time (JIT) when contracting an individual. This means your contract will be finalized and completed once you have new business at the carrier.

There are situations where you may need to be contracted prior to taking an application, known as pre-appointment. You can check pre-appointment carriers and states in the Advisor Portal, or feel free to contact our Producer Services team at (800)-589-3000 to discuss your unique situation.

When can I expect to be paid on my recent business?

Commissions on your recently placed business typically payout 1-2 weeks after the policy is in-force. Commissions paying from Ash Brokerage are released weekly via EFT, one week in arrears, leaving Ash on Tuesday and received in your account within 24-48 hours.

Commissions paying directly from the carrier will follow the carrier’s payout guidelines. Carrier payout guidelines can be discussed with our Producer Services team.