Brokers AllianceIUL is where advanced planning gets funded.
Premium finance, executive bonus, estate liquidity, charitable structures ... the advanced-markets playbook puts permanent, cash-value life insurance to work inside a larger plan, and indexed universal life is permanent, cash-value life insurance. Brokers Alliance is the IMO, FMO and BGA that designs, illustrates and places those cases beside you.
This page is written for licensed agents, advisors and agency principals who write advanced-market life business. If you are a consumer shopping for coverage, your agent can bring your case to us ... we are a wholesale desk, not a retail one.
Brokers Alliance is a family owned IMO, FMO and BGA with a dedicated advanced-markets desk for indexed universal life: IUL case design, illustration support, and underwriting advocacy for large and impaired-risk cases. Founded by Joe Racich in 1982 and owner-led by his son David Racich since 2009, the firm supports licensed agents, advisors and agency principals who build premium finance, Section 79, 162 bonus, defined benefit, estate tax and charitable planning cases, and it builds its own agent software in house: MyAdvisorCloud, MyAdvisorGrids and RetirementBrain. There are no fees to contract.
An advanced-markets shop is not won on a product grid. It is won on whether the desk can turn a fact pattern into an illustration a sophisticated client will act on, and on whether someone will argue the underwriting when the line is large or the labs are ugly. That is the work this desk does, case by case, beside the producer who owns the client.
Case design, illustrations, and a fight at underwriting.
Advanced-market IUL business is casework, not order taking. A fact pattern walks in ... a business owner with a liquidity problem, an executive worth keeping, an estate with a tax bill coming ... and the desk turns it into a case that can actually be placed.
IUL case design
The desk structures the policy around the planning objective ... funding level, death benefit pattern, loan design, exit ... and stress-tests the design before the client ever sees it. The strategy drives the product, never the other way around.
Illustration support
Illustrations that survive scrutiny. The desk turns the case into an illustration the client can act on, and prepares you for the questions the client and the client's CPA will ask before they sign.
Underwriting advocacy
Large lines and impaired risks get shopped informally before anything is formally submitted. The desk packages the file, tells the story to the right underwriters, and argues for the offer on cases where the first answer is rarely the best one. More on the underwriting desk.
Six planning lanes, one desk.
Every strategy below puts permanent, cash-value life insurance to work inside a larger plan, and all of them run through the same desk under the same contract. Start with the fact pattern in front of you.
Premium finance
A third-party lender funds the premiums on a large permanent policy so the client's capital stays invested. Narrow fit, real risks to disclose, serious casework.
Read the strategy → 162162 bonus plans
The employer bonuses the premium on a policy the executive owns. Simple to explain, clean to administer, and a retention conversation every business-owner client understands.
Read the strategy → ETEstate tax planning
Liquidity where the estate needs it, when it needs it. Death benefit positioned, often trust-owned, so heirs are not forced to sell assets to settle the bill.
Read the strategy → DBDefined benefit plans
Qualified plan design for owners who want substantial retirement contributions, with life insurance inside the plan where the design calls for it and the client's tax counsel agrees.
Read the strategy → 79Section 79
Business-sponsored life insurance built on the group rules, designed for owners and key employees, structured with the client's tax counsel at the table.
Read the strategy → CHCharitable plans
Gifting strategies built on life insurance ... a way for the client to turn premiums into a legacy for the causes they care about, alongside the family plan rather than instead of it.
Read the strategy →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.
MyAdvisorCloud
The agent dashboard. Quoting, case status and planning tools behind one login, so the advanced case and the everyday book live in the same place.
MyAdvisorGrids
Carrier compensation comparison, side by side, in one set of grids. Know the picture before you commit the case, instead of finding out after.
RetirementBrain
A sales and education platform for retirement income conversations ... the natural second act for the IUL producer whose clients are accumulating toward a distribution question. 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 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 advanced-markets team at (866) 872-9394.
What does an advanced-markets desk at an IMO actually do?
It turns a client fact pattern into a placeable case. At Brokers Alliance that means IUL case design, illustration support, and underwriting advocacy for large and impaired-risk files, plus point-of-sale help when the case needs a specialist in the room.
Which planning strategies does Brokers Alliance support?
Premium finance, 162 bonus plans, estate tax planning, defined benefit plans, Section 79, and charitable plans. Each has its own page on this site, and each runs through the same desk under the same contract.
What does it cost to use the advanced-markets desk?
Nothing. There are no fees to contract and no charge for case design, illustration support, or underwriting advocacy. Brokers Alliance is compensated by the carrier when the case issues.
Do I need an existing advanced-markets book to work with the desk?
No. Bring the 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 IMO, FMO and BGA that supports licensed agents, advisors and agency principals. Consumers work with their own agent, and that agent can bring the case to us.
Bring the desk your next advanced-market case.
Get contracted with Brokers Alliance and put IUL case design, illustration support and underwriting advocacy behind every advanced-planning conversation. Whether you are an agent, an agency, or an IMO, the support is the same. Family owned since 1982, Fountain Hills, Arizona.
Get contracted