Brokers AllianceWhat an AI-enabled BGA actually is
A definition you can test, the questions to put in writing to any distributor that says AI, and our own answers, including the ones we do not meet yet.
What an AI-enabled BGA actually is
An AI-enabled BGA is a distributor that runs its own operation on automation it built and monitors, with a named person accountable for every regulated decision, and that lets a hierarchy owner connect their own assistant to their own data on their own terms. That is the whole definition. It describes how a distributor works. It is not a category, a badge, or a claim about anyone else.
Here is what it is not. It is not a chatbot on a website. It is not a slide that says AI. It is not an assistant that hands out suitability verdicts, policy health scores, or product recommendations. It is not software that changes a case or sends a transaction on your behalf. And it is not a distributor reaching past you to your downline agents.
Brokers Alliance has been family owned since 1982. Today it runs its own recruiting, marketing and case operations on automation it built and monitors, and a named person is responsible for every regulated decision that comes out of it. The connection for hierarchy owners is a pilot. Brokers Alliance is building it, one hierarchy is being selected with the sales team, and it joins by invitation. Both halves sit in the same table below, so you can see which is running and which is being built.
Put the questions in writing
Any distributor that uses the word AI in a recruiting conversation should be able to answer the questions below in writing. Send the list as it stands, to us as well. A distributor that answers a row with a name, a page you can open, or a plain no has told you something useful. One that answers with an adjective has also told you something.
The third column is our answer today, including the rows where the honest answer is not yet. We would rather you read that here than discover it after contracting.
Questions for any distributor that says AI
| The question | Why it matters | Brokers Alliance's answer today |
|---|---|---|
| What do you actually run on automation, and who is accountable for it? | The word AI can describe a widget on a homepage or the way a company operates. You need to know which you are being sold, and you need a person, not a department. | Recruiting, marketing and case operations run on automation Brokers Alliance built and monitors. A named person is responsible for every regulated decision. The name appears on the pages that carry regulated content. |
| Who signs regulated content, and where is the name? | Product and compensation copy carries advertising and errors-and-omissions exposure. A signature is accountability you can point at. A logo is not. | Regulated content on brokersalliance.com is reviewed and signed by a named person before it is published, and the signer's name appears on the page. |
| What can I check myself, without asking you? | A claim you cannot verify from the outside is marketing. A claim you can open in a browser is evidence. | Three things. The file at https://brokersalliance.com/llms.txt, the JSON-LD on every page, and the signer line on regulated pages. We do not offer anything you cannot open as proof. |
| What does the AI not do? | The not-list is where the regulatory line sits. A distributor that cannot state it has not drawn it. | No suitability verdicts. No policy health scores. No product recommendations. No case changes. No transactions. No contact with a hierarchy's downline agents by Brokers Alliance. |
| Who owns the data and the hierarchy? | If your hierarchy can be reassigned or your data reused to recruit around you, the technology is a lever on you rather than a tool for you. | Your hierarchy stays yours. The connection is scoped to the cases and contracting a principal places through Brokers Alliance. We make no claims about what your assistant's vendor retains; put that question to the vendor. |
| Does the connection read, or can it write? Is it scoped to my own hierarchy? | A write path is a way to change a case without you in the room. A scope wider than your hierarchy is a way to see someone else's business, and for someone else to see yours. | The connection reads. It cannot write. Nothing in it changes a case or sends a transaction. It is scoped to the principal's own hierarchy. This is a pilot, so ask to see the scope in writing before you connect. |
| Are my downline agents off by default, and can I turn them on and off? | A distributor that switches on your agents without you is inside your hierarchy. Default off, controlled by you, is the difference. | Downline agents are off unless the principal turns them on, and the principal can turn them off again. Brokers Alliance is not in that conversation and does not contact a hierarchy's downline agents. |
| Can I revoke it? | Access you cannot end is not access you control. The answer belongs in the agreement, not in a reassuring sentence on a call. | Not published yet. The connection is a pilot and its terms, including how a principal ends it, are being settled with the pilot hierarchy. Get the revocation terms in writing before you connect. We would ask the same of anyone. |
| What stays out of it? | Commission grids, case changes and transactions are the three things you do not want a third party's assistant touching by accident. | No commission grids in the connection. Nothing in it changes a case or sends a transaction. Grids stay where they are today, in MyAdvisorGrids, for contracted producers. |
| Which assistant do I have to use? | A distributor that requires you to use its assistant owns the conversation, the history and the prompt. You should be able to bring the one you already pay for. | Your own. A principal points their own Claude or ChatGPT at the cases and contracting they place through Brokers Alliance. Brokers Alliance is not in that conversation. |
| Has anyone outside your company attested to the connection? | A self-description is a starting point. A principal with a book to protect should expect an outside review of scope, access and revocation eventually. | No. There is no third-party attestation of the connection yet. It is a pilot, one hierarchy is being selected with the sales team, and it joins by invitation. |
| Is it live, and when can I have it? | A launch date with nothing behind it is a way to sell a thing that does not exist. A distributor should say plainly whether a thing is running, being built, or imagined. | It is a pilot. It is not open for general sign-up and we do not publish a date. If you run a hierarchy and want to be considered, ask at /ai/join. |
What Brokers Alliance does not meet yet
The gaps in the third column, listed so nobody has to hunt for them.
- The connection is a pilot. It is not running for anyone outside the hierarchy being selected with the sales team, and it joins by invitation.
- Nothing in it changes a case or sends a transaction. If you want an assistant that acts on a case, this does not do that and is not being built to.
- No commission grids are in it. Grids remain in MyAdvisorGrids for contracted producers.
- No third party has attested to the connection's scope, access or revocation.
- The terms a principal signs, including how the principal ends the connection, are not published. They are being settled with the pilot hierarchy.
The operating half is different. Brokers Alliance runs its own recruiting, marketing and case operations on automation it built and monitors today, with a named person responsible for every regulated decision. That part you can check now: open brokersalliance.com/llms.txt, read the JSON-LD on any page, and find the signer line on a regulated page.
What the automation does not do
Whatever else changes as the pilot matures, this list does not.
- No suitability verdicts.
- No policy health scores.
- No product recommendations.
- No case changes.
- No transactions.
- No contact with a hierarchy's downline agents by Brokers Alliance.
Read the page for your role, then ask
If you run a hierarchy, read what the connection means for a BGA principal. If you write your own business, read what it means for an independent agent. Agency owners have their own page, and so do advisors. The plain account of how Brokers Alliance uses automation in its own operation is at how we use AI, and the hub is at /ai.
Before you contract with anyone, take the broader criteria table at how to choose an IMO or FMO into the call with you. The questions on this page sit inside that one.
If you run a hierarchy and want to be considered for the pilot, say so at /ai/join. For anything else, call (480) 210-7892 or use /contact.
Put the questions in writing. We publish our answers.
Brokers Alliance is a second-generation, family owned life and annuity IMO, FMO and BGA, founded in 1982 in Fountain Hills, Arizona. No fee to contract.
How to joinQuestions first? Talk to contracting. or call (480) 210-7892