Brokers AllianceA life insurance brokerage built around the people who place it.
Term, IUL, whole life, living benefits, single premium and final expense, quoted instantly on software we wrote ourselves and walked to placement by a team that answers the phone. Contracting is free and your hierarchy stays yours.
Brokers Alliance is a life insurance brokerage, an IMO, FMO and BGA, that contracts agents, agencies and partner firms and gives them six life product lines, 73+ carrier relationships, instant quoting through LifeBrain, and hands-on case design and underwriting support. Founded in 1982 by Joe Racich and owner-led by his son David Racich since 2009, the company has treated support for the professionals placing life insurance as its core competency for more than four decades, and it builds its own agent software in house: LifeBrain, MyAdvisorCloud, MyAdvisorGrids and RetirementBrain.
Life insurance is a unique asset class: a relatively small premium becomes a large death benefit, delivered tax free at the moment a family or a business needs it most. Placing that promise well takes carrier reach, product knowledge and casework, so everyone we contract gets all three, plus MyAdvisorCloud, the agent dashboard that puts quoting, case status and planning tools behind one login, and MyAdvisorGrids for comparing carrier compensation side by side.
Independent life insurance brokers come to Brokers Alliance for the shelf and the desk that let them place any case that walks in. As a life insurance brokerage we sit between the independent life insurance broker and the carrier, so the broker keeps the client while we carry contracting, quoting and underwriting. Life insurance brokers who write term life, IUL, whole life or final expense get the same 73+ carrier relationships and the same case team, whether they place two cases a year or two hundred, and the hierarchy stays theirs. Producers focused on growth can also read our guide to how to sell more life insurance.
Six lines, one contract.
Every product below rides on the same agreement, the same quoting stack and the same case team. Start where your clients are.
Term
Level term across the carrier shelf, with conversion options that keep the client yours as needs mature.UL & IUL
Universal life and indexed UL for permanent protection and cash value accumulation, designed for the way these cases actually get placed.Whole Life
Guaranteed premiums and guaranteed values, for clients who want certainty written into the contract.Living Benefits
Coverage clients can use while living, with accelerated benefits for chronic, critical and terminal illness.Single Premium
A single deposit becomes an immediate, larger death benefit. A clean repositioning conversation for idle client assets.Final Expense
Simplified issue protection that settles a family's final costs, placed fast, with lead programs for anyone working the senior market.LifeBrain quotes life insurance instantly.
Not white-labeled software. LifeBrain is a quoting engine Brokers Alliance built for the people who write through it: run an instant life quote, compare carriers on the spot, and begin the sale in one place while the client is still in the conversation.
It ships with your contract at no extra cost, beside MyAdvisorCloud, MyAdvisorGrids and RetirementBrain.
Explore LifeBrainUnderwriting and case design that carry the hard files
From simple term to estate and business planning with permanent policies and premium finance, the desk behind you has run cases like these since 1982.
Impaired risk is where we earn the contract
Table ratings, tough labs, prior declines: we shop the story informally across 73+ carriers and argue for the offer before the file is formally submitted. From illustration to exam to placement, an underwriting contact you can actually reach stays on the case with you.
Underwriting support →From a fact pattern to an illustration
The design desk turns a client situation into an illustration the client can act on, then keeps training and support flowing after the case is placed. It scales from a straightforward term sale to premium finance, estate tax and business planning work.
Advanced planning →Know the carriers. Quote them online.
Carrier Directory
73+ carrier relationships in one directory: who we place with, what they write and where each one is strong. Check the shelf before you promise the client anything.
Browse the Carrier Directory →Online Life Quoter
Run term life quotes in the browser and put real numbers in front of the client before the first appointment ends. Free with the contract, like the rest of the toolset.
Open the Online Life Quoter →Before you contract
What life insurance products can independent agents write through Brokers Alliance?
Does it cost anything to contract with Brokers Alliance for life insurance business?
What is the difference between a life insurance broker and a captive agent?
Can an independent life insurance broker write term life through Brokers Alliance?
Put your life business behind a brokerage that builds for you.
Contract with Brokers Alliance and get the shelf, the software and the case team in one relationship.
Get Contracted