✓ Ash Brokerage Manual Unlocked
Everything below is sourced from real onboarding with Ash Brokerage (July 9, 2026). Nothing here is AI-invented — sections without confirmed information are marked "Pending" until Ash provides it.
🔗 Open Ash Advisor Portal (opens in new tab)
All links below land on this same login page — Ash's portal uses a single sign-on gateway with no separate URLs per tool. Once logged in, navigate using the tile names noted in each section below.
Contracting Status — Ash Brokerage
IMO / FMOAsh Brokerage, An Integrity Company
OnboardedJuly 9, 2026
Main line(800) 589-3000
1. Dashboard (Ash Portal Home Page)
Verified July 12, 2026 from actual portal screenshots — this replaces earlier guesses based only on the onboarding call notes.
Top navigation tabs: My Business · Quotes · Applications · Products · Tools
Home page tiles ("Hi Jude, what are you working on today?"): Cases · Contracts · Commissions · Run a Quote · Submit an Application · In-Force Vision · Annuity (Hub) — plus a few additional icons along the bottom row not yet labeled/confirmed.
Cases tile: "View your case history and run custom reports to keep your business up-to-date."
Contracts tile: "Setup online contracting, get appointed with carriers, or review status and requirements."
Run a Quote tile: "Quote, manage and submit in one simple platform" — this launches a separate quoting system (see note below), not iPipeline directly.
Submit an Application tile: "Start the digital process of getting [an application signed/submitted]."
My Business: Opportunities (saved quotes/prospects) and Cases (track business status).
Daily workflow: check new client inquiries → check Opportunities → check Cases → respond to underwriting requests → follow up with pending clients → check policy issue notifications → review emails from Ash.
1a. Quoting Engine — "Techficient" (Dynamic Advisor)
Clicking "Run a Quote" on the Ash home page hands off to a separate system called Techficient, hosted at dynamic-advisor-prod.techf.com — not iPipeline as earlier assumed. Your Ash login carries over (shows "Jude Ukachukwu · Ash" in the top right).
Nav sidebar: Dashboard · Clients · Quote / Apply · Cases · In-Force Policies
Create Client form fields: First Name, Last Name, Date of Birth, Gender. That's it — a minimal client record, not a full fact-finder/needs-analysis questionnaire.
Quote / Apply flow (Term): select Product Type (Term) → Product Information → Solicitation State → Face Amount → Term Length → Riders (Child Rider, Accidental Death Benefit, Waiver of Premium, etc., each with amount sub-fields where applicable) → Pre-Underwriting.
Pre-Underwriting step — confirmed field-by-field (verified July 12, 2026 via a live quote session):
MedicationsFree-text search/add (correct spelling not required)
BuildHeight (ft/in) and weight (lbs)
CitizenshipUS citizen or permanent resident — Yes/No
Tobacco/NicotineNever/Former/Current, date last used, products used (cigarettes, cigars incl. count/month, chewing/pouches, vaping, e-cigarettes, gum/patches)
Marijuana usageFrequency dropdown (e.g., Never)
Common health conditionsChecklist: Alcohol Abuse, Anxiety, Asthma, Bipolar, High Cholesterol, Depression, Diabetes (Type, age of diagnosis, last A1C, on medication Y/N), Drug Abuse, High Blood Pressure/Hypertension, Sleep Apnea, ADD/ADHD, Atrial Fibrillation, Autoimmune Condition, Cancer, Colitis/Crohn's, GERD, Heart Condition/CAD, PTSD, Self Harm, or None of the above
Family historyBiological parent diagnosed with Heart Disease/Cerebrovascular Disease/Cancer/Diabetes at or before age 70 — Yes/No; same for biological sibling(s) at or before age 50 — Yes/No
Driving historyDUI/DWI in last 10 years, 2+ moving violations in last 2 years, license suspended/revoked ever — each Yes/No
Criminal historyConvicted of/charged with a felony, or currently on parole/probation — Yes/No
Coverage purposeBusiness-related (buy-sell, key-person, executive bonus) or personal — Yes/No
This is the real, full list of client questions Ash's system asks — it lives inside the Quote/Apply flow's Pre-Underwriting step, not a standalone questionnaire. Completing it drives the Health Class shown on the resulting carrier quotes (e.g., a Sub-Standard Table Rating with diabetes + former tobacco use in a case run July 12, 2026).
Quote Results: Coverage Amount slider, Policy Length options (e.g., 10/15 years) each with a starting monthly price, followed by a Proposal panel (Flat Extras, Riders, Health Class, Premium Mode) and a ranked list of real carrier offers with Health Class, Table Rating, Best Fit Rating (stars), Traditional/Accelerated indicator, monthly and annual premium, an Apply button, and Underwriting Data (% of cases approved, average days to place, % issued as applied for when pre-underwriting questions are used).
Filtered-out carriers: Below the ranked results, a "Not seeing a product you expected?" toggle reveals every carrier/product filtered from that quote, each tagged with a Filtered Reason — most commonly "Product not available in the quoted state" or "Selected rider(s) not supported or out of range."
2. Life & LTC Pre-Screening
The first tool used in almost every case — start here for new clients.
What it is: A private medical questionnaire sent directly to the client — designed for clients hesitant to share full medical history with you directly. They answer honestly to Ash, not to you.
Why it matters: Determines likely health class before committing time to a full illustration; reduces underwriting surprises and carrier declines.
How to use: Open the tool from Key Resources → enter the client's email (delivery depends on accuracy) → enter one or more desired death benefit amounts for side-by-side comparison → send. Client completes it privately with Ash. Results show likely health class.
Practice step: Send yourself a test version first to see the client experience end to end.
Limitation: No disability-specific version exists in the portal yet — must be requested separately from Ash.
3. Requesting Illustrations
Three request paths: Request Illustration online form; fillable PDF download; or email the Marketing Team/RVP directly.
Process: Ash reviews submitted info and returns quotes/illustrations for the next-step client conversation.
4. Term Life Quotes (Techficient, not iPipeline — corrected July 12, 2026)
⚠ Correction: This section originally assumed "Run a Quote" hands off to iPipeline. A full live term case run July 12, 2026 confirms the actual term-quoting engine is Techficient (dynamic-advisor-prod.techf.com — see Section 1a), which itself compares real carriers and returns bindable quotes. Whether iPipeline exists as a separate tool elsewhere in the portal is unconfirmed; treat any older reference to iPipeline in this manual as unverified until seen directly.
Features confirmed live: compare carriers and premiums side by side with Health Class, Table Rating, and Best Fit star rating; see Underwriting Data (approval %, average days to place); Apply directly from the quote screen; view every filtered-out carrier with its specific filter reason (state availability, unsupported riders, etc.).
Drop ticket option: streamlined application where the carrier handles the medical side directly with the client. (Not yet confirmed inside Techficient — carried over from earlier onboarding notes.)
Term → Permanent conversion: no new medical exam required, retains original health class — track term expiration dates as an outreach trigger. (Not yet confirmed inside Techficient — carried over from earlier onboarding notes.)
5. Accelerated Underwriting (AU)
Process & Workflow Expectations: select carrier from the dropdown menu to view specifics.
AU Cheat Sheet includes: program/product name, face amount and age limits, underwriting requirements and knockouts, additional notes, interview information.
6. Annuity Hub
Features: compare features and allocations side by side across multiple annuity products; start an application in the same platform.
7. Case & Opportunity Tracking
Cases: My Business → Cases. Tracks new business, pending, approved, issued status and outstanding requirements.
Opportunities: My Business → Opportunities. Contains saved quotes, client opportunities, existing illustrations.
Notifications: Ash can alert on pending lapse, policy issued, term ending, and conversion opportunities — check regularly rather than waiting for email digests.
8. Online Contracting
Used for: carrier appointments, contract requests, profile updates. Accept terms of use, keep profile current, complete legal background questions (insurance-related only), draw signature for carrier appointments.
9. Commission Information
Rates: not visible in the portal — must come from Ash directly (Parker, Laura, Marketing Team, or Contract Manager).
Timeline: typically 2–3 business days after policy issuance; longer if medical exams or additional documentation are required.
Direct deposit: requires a bank account in your own name, entered in the portal. Status: not yet completed.
Commission contract: promised by Sarah via follow-up email — not yet received.
11. Educational Resources
12. Outstanding Follow-Ups (Pending from Ash)
☐ Carrier recommendations — NY, TX, MA (life, annuity, final expense, mortgage protection). Partially confirmed: see Section 12a below — real carrier names found directly in the portal, though this is not the curated/ranked list Sarah promised.
☐ Disability pre-screening tool
☐ Commission contract
☐ Commission hierarchy / rate sheet
☐ Nationwide annuity flexible-payment options
☐ Opportunity updates (Laura/Kristen)
☐ Contract Manager contact info
12a. Carriers Confirmed in the Portal (Verified July 12, 2026)
Found on Ash's actual "Life Insurance Application Cover Sheet" (the Lab Access Codes table, used to route medical exam requests). This confirms these carriers are genuinely active in Ash's system — but it's an exam-routing list, not Sarah's curated best-carrier-by-state recommendation. Treat as confirmed-available, not yet confirmed-best.
| Carrier | Source |
|---|
| AIG / AG Life (Home Office & NA) | Application Cover Sheet — Lab Access Codes |
| US Life | Application Cover Sheet — Lab Access Codes |
| American National (incl. American National NY) | Application Cover Sheet — Lab Access Codes |
| Banner / William Penn | Application Cover Sheet — Lab Access Codes |
| Global Atlantic | Application Cover Sheet — Lab Access Codes |
| Accordia Life | Application Cover Sheet — Lab Access Codes |
| Lincoln Financial Group | Application Cover Sheet — Lab Access Codes |
| John Hancock | Confirmed separately via actual illustration run July 2026 |
Additional carriers confirmed July 12, 2026 — seen directly as quoted or filtered options inside a live Techficient term case (NY, age 44, Sub-Standard health class):
| Carrier | Product seen | Result in this case |
|---|
| Corebridge Financial | US Life Select-a-Term (NY) | Quoted — placeable, Sub-Standard Table 2 |
| MassMutual | MassMutual Term, MassMutual Term ECP | Filtered — rider(s) not supported |
| Mutual of Omaha | TLA | Filtered — not available in NY |
| North American | ADDvantage Term | Filtered — not available in NY |
| Pacific Life | Promise Term | Filtered — not available in NY |
| Principal | Term Non-Convertible, Term Convertible (NY), Term Convertible with Conversion Extension (NY) | Filtered — rider(s) not supported |
| Protective | Classic Choice With CCRE, Protective Life & Annuity Classic Choice Term (NY) | Filtered — not available in NY |
| Banner Life | Flash Term | Filtered — not available in NY |
| William Penn | OP Term (NY) | Filtered — rider(s) not supported |
| Lincoln | LifeElements Level Term 2019, TermAccel Level Term 2019 | Filtered — not available in NY |
| John Hancock | Vitality Term | Filtered — not available in NY |
Application Cover Sheet fields (for reference): Advisor Name, Date, Client Name(s), Best Contact (Advisor/Assistant/Other) with phone/email, Underwriting class applied for, whether a premium check is included. Notes: include the TIA form if binding coverage; include the original sales illustration for permanent insurance; 1035 exchange cases need the original documents/policy or lost-policy notice after approval.
13. Standard Operating Procedure — Every New Client
Each step below notes exactly where it happens — on Ash's portal, on your own website, or in direct client conversation — so nothing gets lost between systems.
1. Gather client information — Not an Ash step. Client submits info through onyezelifeinsurance.com (calculator/contact form) or reaches out directly via WhatsApp/email/text. Specific fields collected by the site's "Request Your Free Plan" form:
IdentityFirst name, last name
ContactWhatsApp number
Underwriting basicsAge, date of birth, gender, state of residence
Product interestWhole Life, IUL, Endowment, Annuity/Retirement Income, or Final Expense (age 65+)
BudgetMonthly budget range (Under $100 up to $1,000+/month)
Tobacco/Nicotine useNever / former (12+ or <12 months) / current — cigarettes, cigars, vaping, or chewing/pouches
BuildHeight (ft/in) and weight (lbs)
MedicationsFree-text, current medications
Health conditionsFull checklist matching Ash's Pre-Underwriting step (20 conditions incl. diabetes, heart, cancer, mental health, or none)
Family historyParent (before 70) and sibling (before 50) — Heart Disease/CVD/Cancer/Diabetes
Driving & criminal historyDUI/DWI, 2+ moving violations, license suspension, felony/parole/probation
Coverage purposePersonal or business-related
GoalsFree-text: family protection, retirement income, generational wealth, or other specifics
Updated July 12, 2026 — the site's intake form now mirrors the full Pre-Underwriting question set confirmed live inside Techficient's Quote/Apply flow (Section 1a), so Jude has everything needed to run a case the moment a lead comes in, with no follow-up round-trip for health/build/history details.
2. Send Life/LTC Preview questionnaire if needed — Ash Portal → Home page → Key Resources → Life/LTC Preview Tool (see Section 2). Enter the client's email and desired death benefit amount(s); Ash sends the private questionnaire directly to the client.
3. Request illustrations — Ash Portal → Request Illustration (online form or PDF) for permanent products, or Run a Quote → iPipeline for term (see Sections 3 & 4). Alternatively, email the Marketing Team/RVP directly with case details.
4. Review illustrations — Not an Ash-portal action. Once Ash/John Hancock (or another carrier) returns the illustration, review it yourself — guaranteed vs. non-guaranteed values, premium structure, lapse risk — before bringing it to the client. Saved illustrations/quotes are also viewable under My Business → Opportunities (Section 7).
5. Compare carriers — Partially on Ash: term quotes can be compared side-by-side directly in iPipeline (Section 4), and Annuity Hub allows product comparison for annuities (Section 6). A full cross-carrier recommendation list is still pending from Ash (see Section 12) — until it arrives, carrier comparison for permanent life is manual, based on the individual illustrations you request.
6. Recommend best product — Client conversation, not a portal step. Happens over WhatsApp, phone, or in person, using the illustration(s) and comparison from steps 4–5.
7. Submit application — Ash Portal → apply directly from the quotes screen for term (iPipeline), or Submit Application → Apply through iPipeline once a permanent-product illustration is returned (Section 3 & 4). Drop ticket option available for a streamlined medical-only-with-carrier process.
8. Monitor underwriting — Ash Portal → Key Resources → Accelerated Underwriting (Section 5) for expected requirements and timelines by carrier. Case-level underwriting status also shows under My Business → Cases (Section 7).
9. Track the case — Ash Portal → My Business → Cases (Section 7). Tracks new business, pending, approved, and issued status plus any outstanding requirements.
10. Deliver the policy — Not an Ash-portal action. Once Cases shows the policy as issued, deliver it to the client directly (email/WhatsApp/in person) and confirm they understand the coverage.
11. Follow up for future needs — Partially on Ash: the portal's notification system (Section 7) alerts on term ending, pending lapse, and conversion opportunities — check these regularly. The outreach itself (conversions, life changes, referrals) happens directly with the client via your own channels.