Life insurance is entering the next generation. Digital. Fast. Transparent. Check out these exclusive products, tools and services that are revolutionizing the way life insurance is sold.
Get up to $2 million in coverage in just minutes – no contracting required – with an immediate decision for those who qualify.
This fee-only indexed universal life product is simpler for clients, with a clear and transparent expense structure.
Through a personalized, secure client questionnaire, Life PreView asks the right questions upfront – so you don’t have to.
Exceptional service is just a call or click away. Let us show you how whatever the question, whatever the need, Ash Answers.
A permanent life insurance policy could be one of the most valuable assets your clients own. While protecting their family from the unthinkable, a cash value life insurance policy can accumulate tax-deferred savings that can be distributed tax-free.
Whether you sold the policy or not, you can help clients decide if their permanent life insurance policy is performing to its full potential. After more than 6,000 formal reviews, the comprehensive Ash Life Audit found more than 65% of life insurance policies could be improved by a new policy!
Get concierge-level guidance and custom proposals on your most complex questions related to business owners, estate planning and taxation. There’s no case too large or complicated.
Life insurance can be a great strategy for generational gifting. See how a couple helped each of their children’s personal retirement and legacy needs by allocating their current cash gifts into an annual life insurance premium.
You’re ready for a partnership that provides individualized support and a commitment to work with you the way you want. See how we work together.
Competitive pricing. A high instant issue face amount. An immediate decision for those who qualify, with no labs or medical exams. Ash Instant is a great option for clients seeking term life insurance coverage. Check out this overview of policy features and see if fits your clients.
Clients often hate debt. But not all loans are bad. Super low interest rates and very favorable tax advantages have changed the game. See how fixed-rate loans, withdrawals from fixed loans, and participating loans can provide great sources of retirement income as needs arise.
Fluidless, accelerated, express, simplified – no matter the words you use, one thing is certain: More and more insurance companies are offering streamlined underwriting processes. This cheat sheet will give you an overview of the programs available and if your clients qualify.
There's an emerging trend in life insurance away from lifetime guarantees. Persisting low-interest rates, coupled with regulation, has made lifetime guarantees expensive and hard to price. See how you can leverage universal life options to get more and pay less than with GUL.
With Ash Term Express, we took the guesswork out of quoting to get the best term life options. You can quote and submit an application in minutes. It tailors information based on responses and carrier selection, so no time is wasted answering unnecessary questions.
Life changes. Constantly. Has your client's life insurance coverage changed with it? Does their existing life insurance coverage meet their current needs? This rack-card-style guide to the Ash Life Audit helps clients consider if now is a good time to have you review their policy.
This comprehensive, educational resource covers the basics of life insurance and more. After discussing the need, purpose and types of life insurance, you'll learn about the application and underwriting process, as well as policy customizations, loans, taxation and more.
Over the long term, the internal rate of return (IRR) on certain insurance policies only see about 0.50-0.85% “drag” on gross earnings due to all-in fees and costs. That is up to 66% savings on fees long-term vs the 1.5% on most managed brokerage accounts.
The coverage your clients want for their heirs is immeasurable. But the amount of life insurance they need is easy to determine. This simple form will help you and your client start a conversation around income need, expenses and assets, to estimate their life insurance needs.
No matter what clients think, premium finance doesn’t have to be complicated and scary. The basic mechanics are actually relatively simple when properly structured. This tutorial flyer will help clients see why premium finance is used, how it works, and why they should try it.
Here's a funding solution for clients who seek the protection of permanent life insurance, with the added benefits of an indexed universal life. Using a SPIA to fund the IUL, they can potentially increase death benefits while maximizing cash value for withdrawal opportunities.
When applying for a large life insurance case, it all comes down to underwriting, and a cover letter can be the key to getting a policy issued. See what you need to include to differentiate your case while providing underlying details around financial needs, medical history and lifestyle.
Here are some of the most common questions we get asked about long-term care. For additional questions, check out our FAQ page.
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.
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.
Everything is done online! 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 complete the contracting and appointment process with additional insurance carriers at the click of a button. 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.
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.
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.