WHOLE LIFE INSURANCE

Permanent coverage built on guarantees, not projections

Whole life gives your clients a guaranteed death benefit, a guaranteed level premium, and cash value that grows on a fixed schedule. Brokers Alliance helps you place the case, pick the carrier, and market it well.

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01 · THE GUARANTEES

What makes whole life a safe bet

Because the premium, the death benefit, and the cash value are all guaranteed, many clients treat whole life as the stable, predictable core of a plan. Participating policies from mutual carriers may also pay non-guaranteed dividends on top of those guarantees.

01Guaranteed level premium

The premium is locked at issue and does not rise as the client ages or their health changes.

02Guaranteed death benefit

Lifelong coverage that pays out as long as the policy stays in force. No term to outlive.

03Guaranteed cash value

Cash value grows on a fixed schedule the client can count on, and can be borrowed against.

04Potential dividends

Participating whole life may pay dividends that increase cash value while the insured is living or add to the death benefit for beneficiaries. Dividends are not guaranteed.

02 · WHO IT FITS

The client needs whole life solves

Whole life fits clients who want lifelong certainty rather than flexibility. It works for personal planning and for business cases alike.

LCLifelong coverage with guarantees

For clients who want coverage that never expires and premiums that never move.

CVCash value to borrow against

A stable, accessible cash value the client can borrow from for opportunities or emergencies.

LELegacy and estate planning

A predictable vehicle for passing wealth and covering final expense.

BCBusiness cases

Used to fund buy-sell agreements and key-person coverage where guarantees matter.

Final expense Estate and legacy Buy-sell funding Key-person coverage

03 · WHOLE LIFE vs IUL

Guarantees or flexibility

The most common question is whole life versus indexed universal life. It comes down to what the client values.

WLWhole life

Emphasizes guarantees and predictability. Fixed premiums and guaranteed cash value growth. The client trades upside for certainty.

ULIndexed universal life

Trades some of that certainty for flexible premiums and index-linked growth potential. The client trades certainty for flexibility.

FITHow to choose

If the client values guarantees, whole life. If they value flexibility and growth potential, IUL. We help you run both and show the client the difference.

04 · HOW BROKERS ALLIANCE SUPPORTS THE CASE

Carriers, tools, and marketing behind you

Independently owned since 1982 and based in Fountain Hills, Arizona, Brokers Alliance partners with leading whole life carriers. We support agents, agencies, and other IMOs and FMOs. Through the myAdvisor Cloud portal you get a whole life quote calculator, client presentations, and marketing concepts built specifically around permanent life.

QCWhole life quote calculator

Quote whole life inside myAdvisor Cloud and start the sale in one place.

CPClient presentations

Demonstrate the added value of permanent life with presentations built for the conversation.

MKWhole life marketing concepts

Concepts built around whole life products, including material that addresses the common myths about participating whole life.

Ameritas ANICO Foresters Nationwide

05 · CONTRACTING

No fee to sell whole life through Brokers Alliance

There is no contracting fee, no platform fee, and no monthly cost. Contracting is free and open. Brokers Alliance is compensated by the carriers when business issues, not by you.

No contracting fee No platform fee No monthly cost Paid by the carrier, not you

Questions on a specific whole life case, or want to compare carriers? Call the team at (866) 872-9394.

Ready to place a whole life case?

Get contracted with Brokers Alliance and put leading whole life carrier relationships, the myAdvisor Cloud toolset, and whole life marketing behind your next sale.

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