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We make life (insurance) easy

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.

Instant Term

Get up to $2 million in coverage in just minutes – no contracting required – with an immediate decision for those who qualify.

No-Load IUL

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.

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Put an expert to work for you

Exceptional service is just a call or click away. Let us show you how whatever the question, whatever the need, Ash Answers.

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Cash Value Life Insurance
Tap into the built-in savings power of life insurance

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.

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Ash Life Audit
Get an objective look at existing coverage

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!

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Advanced Planning
Advance your client’s coverage

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.

A profitable partnership

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.

Frequently asked questions
Questions? Ash Answers.
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

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.