New Phone Extensions: Starting Tue. 5/21, please discard any four-digit extensions and contact your team for updated info.

Adding Instant Decision Term to a Disability Sale

Kim Carpenter   |   March 2022   |   2-minute read
Ash Instant Case Study


In certain situations, your clients need term life insurance quickly. Maybe they are in the middle of completing a business loan agreement or need proof of insurance for a divorce decree. Term life insurance traditionally requires back-and-forth communication with the client over weeks or months. For busy clients, that can be tough to manage.


Ash Instant term life insurance was created as an easier way to quote, apply for and get a decision on term insurance. It is a fully underwritten product, based on data obtained from the DMV, prescription drug records and the medical information bureau. By eliminating the need for labs, medical records or exams, qualified applications can get a decision in about 10 minutes.

Client Profile

  • Ideally suited for clients who are:
  • Between the ages of 20-50, specifically those in their 30s-40s
  • Applying for face amounts up to $2M
  • Clients looking for a simple, quick process for obtaining life insurance
  • 1099 employees, without company benefits

Why it Works

Ash Instant is designed to fit into a busy client’s schedule, not disrupt it. Financial professional Jake Bevilacqua, one of the top Ash Instant users, says it’s easy to run quotes for multiple scenarios in real time during a discussion with the client. Often when clients realize how competitive the pricing is, they wish to apply immediately, and the Ash platform allows that to be completed quickly and easily.

Jake, primarily focused on disability insurance, brings up life insurance as part of the DI sale. Because DI is the more complicated product, he starts with it. He works with many clients that are leaving W-2 employment and are losing their company benefits at the same time. After discussing DI, it’s natural to make sure that they are considering life insurance as well. And, because the process is available after normal business hours, it’s easy to bring the conversation up at any time. In addition, having started with DI, Jake’s clients fall in the right age for Ash Instant age and health profile.


In January and February of 2022, Jake placed 20 disability policies and submitted 7 Ash Instant cases. These Ash Instant cases added almost $5,833 to his premiums. More importantly, they provided much-needed benefits to his clients.

Legal Disclosure

In approved states, Ash Instant Term (form 3026) is issued by Ameritas Life Insurance Corp. The product is not available in New York.

The issuance of the policy may depend upon the answers to the health questions set forth in the application.

Ameritas and Ash Brokerage LLC, are separate, independent entities. Unless otherwise specified, any person or entity referenced herein is not an affiliate of Ameritas or any of its affiliates.

Ameritas holds an A (Excellent) for insurer financial strength. This is the third-highest of AM Best’s 13 ratings. Rating is as of 4/16/2021.

This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company. Subsidiaries include Ameritas Life Insurance Corp. in Lincoln, Nebraska and Ameritas Life Insurance Corp. of New York (licensed in New York) in New York, New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit

About the Author

Kim Carpenter leads our client experience team. She is dedicated to uncovering pain points and improving processes until every person feels heard. Through innovation and connection, Kim and her team are committed to helping every advisor leverage the full power of Ash’s capabilities.