It doesn't get much faster than instant

Sometimes you know exactly what you want.

And when you know, you want it now.

If your client needs term life insurance fast and you don’t want to quote multiple carriers, you’re in the right place. Launch our Ash Instant platform to get pricing and apply for term all in one step. In less than 10 minutes, most applicants have a decision.

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Ash Instant Platform
Instant term. Instant access.
No password

Start an application now without having to log in to the Ash Advisor Portal

No interview

After completing the app, no additional medical information is needed if approved

No waiting

Your client can complete the application in just minutes and get an instant decision

Ash Instant Platform agent knockouts Ash Instant Platform Quote
About the Platform
How Ash Instant Works

Based on more than 50 years of experience and data, the Ash Instant platform provides an online underwriting decision in seconds.

Streamlined underwriting

Ash Instant term is a fully underwritten product that relies on DMV, prescription reports and the medical information bureau for data. There's no need for labs, exams or additional medical records.

Immediate decision

Built-in knockout questions will let you know right away if your client is eligible for an instant underwriting decision. For those who qualify, 80% are typically approved on the spot, with others receiving a decision in 24-48 hours.

User unlock
Complete on your terms

Clients can complete their part of the fully digital application in either an agent-assisted or self-serve environment, and confirm receipt of coverage within 15 minutes, if you're contracted with Ameritas for Ash Instant.

Ready to start a quote and application?

We made it easy. And then we made it easier. Try out the Ash Instant platform and get a decision in 10 minutes or less.

Ash Instant Term At Your Fingertips
Ash Instant Apply on Mobile Ameritas Life Insurance Corp
Designed by Ash Brokerage. Issued by Ameritas.

As a brokerage, Ash isn't necessarily in the product-design business. But we know many advisors view obtaining life insurance as an obstacle. We turned it into an opportunity. Advisors with clients who need coverage quickly now have a simple strategy for protection.

To create a truly instant experience, we leveraged the expertise and underwriting knowledge of Ameritas Life Insurance Corp. to design an instant-decision product that delivers.

Ash Instant is underwritten by Ameritas Life Insurance Corp. and reinsured by SCOR.

Ash Instant Term At Your Fingertips
Product Highlights
Ash Instant term features

• Issue Ages: 18-60

• Policy Length: 10-, 15-, 20-, 25- and 30-year term

• Face Amounts: $100,000 to $2 million

• Available Riders: Accidental Death Benefit and Waiver of Premium

Coverage: Conversion option available

Not a simplified issue for: Cases with multiple impairments, drug or alcohol abuse, rated or declined term life applications, or criminal record

Ash Instant Platform quote screen
Frequently Asked Questions
Questions? Ash Answers.

Here are some of the most common questions we get asked about the Ash Instant platform. We're your go-to life insurance product experts — ready to walk you through the process of getting your client instant term insurance coverage.

What risk classes and issue ages are available?

The following classes are available:

  • Preferred Plus Non-Tobacco
  • Preferred Non-Tobacco
  • Select (Standard Plus) Non-Tobacco
  • Standard Non-Tobacco
  • Preferred Tobacco
  • Standard Tobacco

For 10-, 15- and 20-year term, policies are issued for individuals 18-60 years old.

25-year policies may be issued for those 18-55 years old. A 30-year policy may be issued for individuals ages 18-50.

Age is calculated by their nearest birthday.

What are the policy bands for Ash Instant?
  • Low-Band: $100,000 - $249,999
  • Mid-Band: $250,000 - $499,999
  • High-Band: $500,000 - $999,999
  • Ultra-Band: $1M - $2M
What are the maximum and minimum face amounts allowed?

The minimum face amount is $100,000 and is available for those ages 18-60.

The maximum face amount varies by age. Individuals 18-55 years old (by nearest birthday) can apply for up to $2 million in coverage. Individuals ages 56-60 can apply for a max face amount of $1 million.

What riders are available?

There are two possible riders:

WP: Wavier of premium

AD&D: Accidental Death Benefit

In approved states, Ash Instant Term (form 3026) is issued by Ameritas Life Insurance Corp. In Oregon, policy form ICC20 3026 1-21. The product is not available in New York.

Ameritas holds an A (Excellent) for insurer financial strength. This is the third-highest of AM Best’s 13 ratings. Rating is as of April 22, 2022.

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.

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

Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of affiliate Ameritas Holding Company. © 2022 Ameritas Mutual Holding Company