Brokers AllianceThe annuity IMO that works the case beside you.
Fixed annuities, fixed indexed annuities and MYGAs are placed one case at a time ... a fact pattern, a product decision, a client conversation that has to be earned. Brokers Alliance is the annuity IMO, FMO and BGA whose annuity desk does that work with you, from the first design conversation to the commission.
This page is written for licensed producers, advisors and agency principals who write fixed and fixed indexed annuities and MYGAs, or want to start. If you are a consumer shopping for an annuity, your agent can bring your case to us ... we are a wholesale desk, not a retail one.
Brokers Alliance is a family owned annuity IMO, FMO and BGA for licensed producers: custom case design and product positioning across fixed, fixed indexed and MYGA business, annuity training and consumer presentations, and contracting, case management and commissions teams that carry every case from submission to commission. Founded by Joe Racich in 1982 and owner-led by his son David Racich since 2009, the firm supports the producers and advisors who own the client relationship, and it builds its own agent software in house: MyAdvisorCloud, MyAdvisorGrids and RetirementBrain. There are no fees to contract.
An annuity marketing organization is not judged on the length of its carrier list. It is judged on whether the desk can turn a retirement fact pattern into a case that fits the client and actually gets placed. That is the work this desk does, case by case, beside the producer who owns the client.
Case design, positioning, and a back office that finishes.
Annuity business is casework, not order taking. A fact pattern walks in ... a pre-retiree with a distribution question, a maturing CD, a 401(k) rollover conversation ... and the desk turns it into a case that can actually be placed.
Annuity case design
The desk builds the case around the client objective ... accumulation, contractual lifetime income, or wealth transfer ... and pressure-tests the design before the client ever sees it. The objective drives the product, never the other way around.
Positioning across fixed, FIA and MYGA
Fixed annuity, fixed indexed annuity, or MYGA ... the desk helps you understand and position the right product the right way for each client, so you present a defensible recommendation instead of a brochure stack.
Carrier access across the shelf
Over 30 carriers, custom case design and a proven process stand behind every client conversation. The desk brings the carrier breadth, so the case is placed where it fits instead of where it is convenient.
Back office, submission to commission
Contracting, case management, and commissions and accounting are dedicated teams, and case status is visible in MyAdvisorCloud. The desk carries the case until it issues and the commission is paid, so nothing stalls while you are in front of the next client.
The annuity shelf, and the training behind it.
The annuity landscape is hard to navigate alone. The desk helps you understand and position the right product the right way for each client, and the training gets producers of every level from the fundamentals to a live client conversation.
Annuity products
The shelf in one place: fixed, fixed indexed and MYGA product lines, and how the desk thinks about where each one fits.
Browse the shelf → FIAFixed indexed annuities
The workhorse of accumulation and income cases: index-linked crediting potential with a contractual floor, positioned for the client it actually fits.
Explore FIAs → MYMYGA
MYGA business for clients who want a set term and contractual certainty they can hold in their hand. Simple to explain, clean to place.
Explore MYGA → A1Annuity 101
The foundation. How fixed, indexed and income annuities work, who they fit, and how to position them without the jargon. Built for producers adding the annuity line.
Start the basics → CPConsumer presentations
Client-facing videos and decks that explain retirement income concepts in plain language, so the client understands the why before you ever talk product.
Browse presentations → ADThe annuity division
The whole picture: products, tools, training and the team behind them, on one page. Start here if you are sizing up the desk.
See the division →Software we wrote ourselves.
The desk is human. The tooling behind it is built in house, ships with the contract, and costs the producer nothing.
MyAdvisorGrids
Carrier compensation comparison, side by side, in one set of grids. See the grids laid out before you commit the case, instead of finding out after.
MyAdvisorCloud
The agent dashboard. Quoting, case status and planning tools behind one login, so the annuity case and the everyday book live in the same place.
RetirementBrain
A sales and education platform for retirement income conversations ... the natural front door to almost every annuity case you will write. See RetirementBrain.
Family owned since 1982.
Joe Racich founded Brokers Alliance in 1982. His son David Racich has owned and led it since 2009. Two generations, based in Fountain Hills, Arizona, and a desk that answers the phone.
Independently owned
Family owned since 1982, owner-led since 2009. The people who own the firm are the people who run it, and support for the professionals placing annuities and life insurance has been the firm's core competency for more than four decades.
No fees to contract
There is no cost to contract and no charge to use the desk or the software. Brokers Alliance is compensated by the carrier when the case issues.
Your hierarchy is protected
You own the client and the relationship. The desk exists to help you place the case, not to get between you and it.
The questions producers ask the desk.
Answered straight. Bring the rest to the annuity team at (866) 872-9394.
What does an annuity IMO actually do for a producer?
It turns a retirement fact pattern into a placeable case. At Brokers Alliance that means custom annuity case design, positioning across fixed, fixed indexed and MYGA lines, annuity training and consumer presentations, and contracting, case management and commissions teams that carry the case from submission to commission.
What is the difference between an annuity IMO and an annuity FMO?
In practice the industry uses annuity IMO, annuity FMO and annuity marketing organization almost interchangeably for the same wholesale layer: the firm that holds the carrier relationships, supports the producer, and is paid by the carrier rather than by the producer or the client. Brokers Alliance operates as an IMO, FMO and BGA, so whichever label your carrier paperwork uses, the desk works the same way.
How should a producer choose an IMO for annuities?
Producers looking for the best IMO for annuities usually weigh three things: whether the desk actually works cases or just forwards contracting paperwork, whether the technology is real and included, and whether the firm will still be there for the life of the book. Brokers Alliance answers with a working case desk, software built in house, and family ownership since 1982.
What does it cost to contract with Brokers Alliance?
Nothing. There is no cost to contract and no charge to use the desk or the software. Brokers Alliance is compensated by the carrier when the case issues.
I have not written annuities before. Can I start here?
Yes. Annuity 101 covers the fundamentals, the consumer presentations carry the client conversation, and the desk designs the early cases with you. Bring the first fact pattern and the desk will help you decide whether there is a case in it ... including telling you when there is not.
Is Brokers Alliance a retail agency or a wholesale distributor?
Wholesale. Brokers Alliance is an annuity and life IMO, FMO and BGA that supports licensed producers, advisors and agency principals. Consumers work with their own agent, and that agent can bring the case to us.
Bring the desk your next annuity case.
Get contracted with Brokers Alliance and put custom case design, annuity training and a back office that finishes behind every retirement conversation. Whether you write fixed, fixed indexed or MYGA business, the support is the same. Family owned since 1982, Fountain Hills, Arizona.
Get contracted