Brokers AllianceThe final expense IMO/FMO for agents.
Final expense should be simple to sell and worth your time. Here is the carrier shelf, the lead program, and the quoting tools that make it that way, all under one contract.
Shopping for a final expense policy for yourself or a family member? This page is written for licensed insurance professionals. Call (866) 872-9394 and the team will connect you with an agent.
Brokers Alliance is a final expense IMO and FMO for agents and agencies: a distributor that opens a deep shelf of simplified-issue and guaranteed-issue whole life carriers, runs an exclusive lead program, and hands you a quoting tool, all under one contract with no fee to the producer. Final expense should be simple to sell and worth your time, and the pieces below are what make it that way.
Simplified-issue whole life asks a short set of health questions and skips the paramedical exam. Guaranteed-issue whole life asks no health questions and carries a graded death benefit for the first policy years. Because every carrier draws its health knockouts differently, a broad shelf lets you place a client who would be declined or rated at one company at a better fit somewhere else. That shelf, plus the leads and the tools, is what you are really contracting for.
A final expense program, not just a contract
Every piece below comes with the appointment. When you write final expense through Brokers Alliance, this is the shelf you work from.
- Final expense lead programs to keep your pipeline full without buying leads blind.
- Simplified-issue quoting that matches a client to the right product fast.
- An exclusive final expense lead program that reaches a more targeted market of potential clients.
- Competitive final expense contracts with commissions that reward production.
- Graded death benefit and guaranteed-issue options for clients who cannot qualify for full underwriting.
- Simplified underwriting and digital applications that move a case quickly.
- An online product training platform, custom business cards, and a marketing and prospecting portfolio.
Final expense carriers, simplified and guaranteed issue
A deep lineup spanning simplified-issue and guaranteed-issue whole life. Availability and appointments vary by state and product line.
The current final expense lineup as appointed. What is open to you depends on your state and the product line.
Why agents choose BA for final expense
The right final expense partner combines competitive commissions, a broad lineup of carriers, no platform fees, and modern technology, while letting you stay independent and keep your book of business. Brokers Alliance is built that way. You get competitive commissions, multiple simplified-issue and guaranteed-issue carriers, automated contracting and onboarding, and an advisor platform at no monthly charge.
The technology is written in house. MyAdvisorGrids puts carrier compensation grids side by side, so you see how comp is set before you write. MyAdvisorCloud is the dashboard and single sign-on shell for the whole suite, with RetirementBrain and LifeBrain alongside it. Your downline is yours and stays yours, hierarchy protection is part of the relationship, and there is no fee to contract. Arizona has named Brokers Alliance a Top Workplace five years straight, 2021 through 2025, and the firm carries 73+ carrier relationships across life, annuities, and final expense.
Questions agents ask
Is Brokers Alliance a real final expense IMO?
Does Brokers Alliance charge agents a fee to sell final expense?
What final expense carriers does Brokers Alliance offer?
Going deeper: Carrier directory · State licensing guides
Write more final expense, with a partner that hands you the shelf.
Contracting is free, the lead program and tools come with it, and a real person picks up. Family owned since 1982, with 73+ carrier relationships.
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