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Straightforward term insurance — finally

Ash Term Express gives you everything you need to achieve higher placement on your term life insurance business. Manage, quote and submit – all in one simple tool.

See How it Works
Life Insurance
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.

Pre-Underwriting

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.

Find a Contact
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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.

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Featured Case Study

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Matt Erpelding
Matt Erpelding
May 2021 • 2-min read
Read Case Study
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The most amazing people!

These are the most amazing people to work with! They mean the world to me. They each go above and beyond to help me be successful and help my clients attain their financial goals.

Debra Hill
Advisor, Catholic Financial Life
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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.

Work With Ash
TOP OF THE LINE
Life insurance resources
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Life Insurance
TECHnically Speaking: Life Insurance Made Easy
Sell, process and manage life insurance easier with Ash's core platforms. We take you through the technology to show you how to generate new opportunities from prior sales, evaluate existing coverage and get a new policy quicker.
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Sam Rocke, Kim Carpenter
May 2022 • 25 minutes
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Life Insurance
Peace of Mind in a Rising Interest Rate Environment
As an alternative to premium finance, this specific approach is for your high-net-worth and ultra-high-net-worth clients who have substantial assets that generate income. Check out this brief video and case study to better understand this strategy.
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2 minutes
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Unique Concepts for High-Net-Worth Clients

Discover four strategies to reposition money for ultra-wealthy clients. From classic leverage through premium financing or unique tax credits, to using BOLI or an innovative 1035 exchange with our No-Load IUL, you can capture more corporate AUM and keep the IRS out.
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Life Insurance
Ash Life Audit - Mortality Madness
Mortality tables are updated regularly and significantly affect the performance and pricing of your clients' life insurance policies. Are you confident in their coverage? A policy review with Ash Life Audit will help you find the best fit.
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1 minutes
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Life Insurance
Recommend with Confidence using Ash Express
Welcome to Ash Express. A proven platform that uses placement probability and underwriting data to drive better term life insurance outcomes. Now you can make an informed quoting decision to give your client better odds of getting the coverage they need.
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2 minutes
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A to Z Guide to Life Insurance

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.
Ash Life Audit Essential Sample Output

After an Ash Life Audit analysis process is complete, you'll receive a comprehensive report of findings and recommendations. The Essential Output is a simplified summary that includes current policy information and alternatives in a format that's easy-to-review with clients.
Ash Life Audit Advisor Guide

A permanent life insurance policy could be one of the most valuable assets your clients own. You can be confident their policy is performing to its full potential with the comprehensive Ash Life Audit. This guide details everything you and your clients need to know to get started.
Ash Life Audit Consumer Guide

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.
Life Insurance
Choose Your Underwriting Path with Ash Express
Life insurance underwriting has evolved. And while that means better options for your clients, it also makes it complicated. With Ash Express, you can quickly see if your quote is based on instant decision, accelerated underwriting or traditional underwriting.
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1 minutes
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Life Insurance
Avoid Repetition with Ash Express
Nobody likes to start over. With the Ash Express dashboard, you can easily pull up a previous quote to modify the options — or even duplicate a pending application to shift to a different carrier. All without re-entering data.
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1 minutes
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Life Insurance
Ash Express Won't Let Contracting Slow You Down
With Ash Express, you can see if you have an active selling agreement with the insurance company right next to the quote — before you present it to your clients. Because when you’re ready to move forward, there shouldn’t be anything slowing you down.
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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.