AGENT GUIDE

How to sell annuities using Brokers Alliance

Annuities can be one of the most profitable and client-beneficial products in your portfolio. Selling them well takes more than a license. You need the right carriers, the right tools, and a support system that helps you close complex cases with confidence.

A complete guide for insurance agents

Everything you need to sell more annuities

By David Racich, Owner and CEO of Brokers Alliance. Updated July 2025. Whether you are new to annuities or scaling your production, this guide walks the four steps that turn appointments into placed business: knowing the products, getting contracted, designing the case, and getting paid competitively.

Independently owned since 1982 Fountain Hills, Arizona For agents, agencies, IMOs, FMOs, and BGAs
01 · ANNUITY TYPES

Understand what annuities you can sell

As a licensed agent you have access to several annuity types. Brokers Alliance helps you match the right product to each client, whether the need is income, legacy planning, or accumulation.

FAFixed Annuities
Safe, predictable growth.
FIAFixed Indexed Annuities
Growth tied to index performance with downside protection.
MYGAMulti-Year Guaranteed Annuities
Like a CD, but with tax deferral.
SPIASingle Premium Immediate Annuities
Guaranteed income starting immediately.
RILARegistered Index-Linked Annuities
Higher potential growth with structured downside.
02 · CARRIER ACCESS

Get contracted with top annuity carriers

To sell annuities you must be appointed with carriers that offer competitive products. Brokers Alliance provides direct access to top annuity carriers, and gets you appointed fast, often within 48 to 72 hours, with no hidden production requirements and no unnecessary hurdles.

Athene Allianz American Equity F&G Nationwide North American Protective AIG and many more
03 · CASE DESIGN

Use custom case design to build winning proposals

Selling annuities often takes a detailed comparison of products, riders, and income options. That is where our in-house annuity case design team comes in, so you can present solutions that resonate and close more complex sales.

01Compare the numbers
Rates, surrender schedules, and bonus structures side by side.
02Illustrate the benefits
Income riders and legacy benefits made clear for the client.
03Position for retirement
Annuities placed inside real retirement income strategies.
04Structure laddering
Laddering strategies for RMD or estate planning needs.
04 · COMPENSATION

Maximize commissions with competitive payouts

Brokers Alliance offers some of the highest annuity compensation in the industry without sacrificing transparency or support.

$Top commission grids
Access top commission grids from top carriers.
%Split-comp arrangements
Understand split-comp arrangements for joint cases or agency structures.

Ready to sell more annuities?

Get contracted with Brokers Alliance and put top carriers, in-house case design, and competitive payouts behind your next case. Call (866) 872-9394 or reach out and the team will get you appointed.

Get contracted