PERMANENT LIFE

Permanent life insurance built to last a lifetime

Coverage that stays in force for life, with cash value that builds over time. Brokers Alliance helps agents and agencies place permanent policies across the carriers that fit each client.

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01 · WHAT IT IS

Coverage that does not expire

Permanent life insurance is designed to stay with a client for their whole life, not for a fixed term. Alongside the death benefit, most permanent policies build cash value the client can draw on later. It fits clients who want lifelong protection and a place to accumulate value at the same time.

Lifelong death benefit Cash value that accumulates Level, predictable structure Living-benefit options on many designs

02 · PRODUCT TYPES

Choose the design that fits the client

Permanent life is a family of products, each with a different balance of guarantees, flexibility, and growth. We help you match the right structure to the case in front of you.

WL Whole Life

A guaranteed death benefit with fixed premiums and cash value that grows on a set schedule. The most predictable of the permanent designs.

UL Universal Life

Flexible premiums and an adjustable death benefit, with cash value that reflects current interest crediting.

IU Indexed Universal Life

Cash value growth linked to a market index, with downside protection so a negative index year does not erode principal from market loss.

VU Variable Universal Life

Cash value allocated to investment sub-accounts for market-based growth potential, with the added risk that comes with it.

03 · WHY BROKERS ALLIANCE

Independent placement, real case support

Independently owned since 1982 and based in Fountain Hills, Arizona, we stay carrier-neutral so the recommendation follows the client, not a quota. You bring the relationship. We bring the back office.

01 Carrier-neutral options

We are not tied to one company, so you can compare permanent designs across carriers and place the one that actually fits.

02 Case design help

Structuring a permanent policy the right way matters. Our team helps you shape the illustration and the funding before it goes to underwriting.

03 Back-office support

From contracting through submission and in-force service, you have a team behind every case instead of doing it alone.

04 · WHO WE WORK WITH

Built for the way you do business

Whether you write cases yourself or run a downline, we contract and support you the same way. Reach us any time at (866) 872-9394.

Agents Agencies IMOs FMOs BGAs

Ready to place permanent life?

Get contracted with Brokers Alliance and put a full permanent-life shelf and a real support team behind your next case.

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