Ash Brokerage review for agents: contracting, pay, release terms and leads

Ash is a poor match for an agent who wants Medicare or health contracts. Contract levels are not published online but are shared during contracting. Renewal vesting and release terms are not published, so get them in writing before you move business.

Ash runs open contracting. An agent or advisor contracts directly with Ash, and the chain is agent, then Ash, then the carrier. Ash lists carrier appointment and contracting assistance and agent change of record assistance.

Ash says an existing carrier appointment must be reappointed through the Ash relationship.

Pay path varies by carrier. Commissions that Ash pays go out weekly by EFT one week in arrears. Commissions the carrier pays directly follow the carrier's own schedule.

Ash defines no street level publicly. Starting contract levels are shared during contracting.

Ash does not provide commission ranges by line or identify its top level with each carrier.

Ash provides a book of business report on request for policies written through Ash, which helps you see what you would be moving. Carrier waiting rules differ by carrier and come from each carrier's transfer guide.

Ash covers annuities, life insurance, long-term care, linked-benefit and disability coverage. Ash does not distribute health insurance and sends Medicare business to Integrity partners.

Ash says it partners with more than 80 carriers. Life carriers include Brighthouse, Corebridge, John Hancock, Lincoln, Nationwide, Pacific, Principal, Protective and Prudential and annuity carriers include Athene, Delaware Life and MassMutual. New York carriers may be limited, and availability can depend on your state, agency or broker-dealer.

Ash offers marketing support such as paid digital campaigns and client seminars. Ash does not run a purchased-lead marketplace, and lead pricing is not published.

The Ash Advisor Portal holds cases, commissions and quoting tools along with Annuity Hub, Annuity Rate Watch, In-Force Vision and Ash Express. Ash says FireLight carries no ticket charge.

Ash does not post recurring back office, CRM, website or membership fees.

Support includes case design, advanced markets, underwriting help, case management, webinars, continuing education and sales training roadshows.

Agents register on the Ash Advisor Portal and contract online through SureLC with Ash Brokerage, LLC. Setup asks for a signature card, E&O coverage, AML training and direct deposit details if you are paid directly.

Some carriers and states require product training before you take an application.

Ash does not state who pays carrier appointment or state fees. Ash requires E&O coverage during contracting but gives no group E&O offer, price or discount.

Ash is part of Integrity Marketing Group, which is private equity backed.

Does Ash Brokerage pay commissions directly?

It depends on the carrier. Ash pays some commissions weekly by EFT one week in arrears, and others come straight from the carrier on the carrier's schedule.

How do I get contracted with Ash Brokerage?

Register on the Ash Advisor Portal and complete contracting through SureLC. Expect to submit a signature card, E&O coverage, AML training and direct deposit details if you are paid directly.

Can I sell Medicare through Ash Brokerage?

Ash does not distribute health insurance and refers Medicare business to Integrity partners. Its focus is life, annuity, long-term care, linked-benefit and disability coverage.

Can I leave Ash and keep my book?

Renewal vesting and release terms are not published. Ash provides a book of business report on request, and your carrier contracts and agreement set what you keep.

How does Ash set my contract level?

Ash shares contract levels during contracting. No public grid or street-level definition is posted.

Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Ash Brokerage quit selling or a contract term that reads different now, let us know and send the link to the page where Ash Brokerage has it. Somebody here pulls up that page and checks it before we change anything on ours.