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.

Technology & Innovation

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.