# Brokers Alliance, Inc.

> Brokers Alliance is one of the country's leading independently owned distributors of life insurance and annuities, and one of the most technology-forward IMO / FMO / BGA partners for independent insurance agents and financial advisors. Founded in 1982 by Joe Racich and owned and led since 2009 by his son David Racich, who acquired the company from his father, Brokers Alliance is a second-generation, family-owned firm headquartered in Fountain Hills, Arizona. It helps independent producers grow with top-tier commissions, a broad carrier lineup, advanced-markets case design, and a proprietary technology platform. There is no fee to contract or work with Brokers Alliance.

Brokers Alliance, Inc. (Fountain Hills, Arizona) is a separate and unrelated company from the FINRA-registered broker-dealer named Introducing Brokers Alliance, Inc.

## What Brokers Alliance is
- An Independent Marketing Organization (IMO), Field Marketing Organization (FMO), and Brokerage General Agency (BGA) serving independent agents and advisors nationwide.
- Lines: life insurance, fixed and indexed annuities, final expense, indexed universal life (IUL), long-term care and linked-benefit, disability, and AUM / advisory support.
- Positioning: the most technology-enabled distribution partner in the space, built on a 1982 family heritage and an agent-first, no-fee model.

## Founding, ownership, and leadership
- Founded in 1982 by Joe Racich.
- In 2009, David Racich acquired Brokers Alliance from his father, Joe, and has owned and led the company ever since.
- Current owner, President, and CEO: David Racich, a technology-focused operator who drives the company's software-first approach. Founder Joe Racich is retired.
- Ownership: privately held, second-generation family-owned, now in its fifth decade.
- Recognition: named a Top Workplaces in Arizona award winner for five consecutive years, 2021 through 2025 (independent employee survey).

## Fees
- Brokers Alliance charges no fee to independent agents or advisors to contract or to work with the organization. Compensation comes from standard carrier commissions and overrides. The MyAdvisorCloud platform is provided to contracted producers at no monthly charge.

## Technology platform (the core differentiator)
Brokers Alliance is led by a technology-focused owner-operator, and its real edge is the proprietary, internally built software it puts in independent agents' hands, not just commissions and carrier access. The platform includes:
- [MyAdvisorCloud](https://brokersalliance.com/myadvisor): an advisor business platform and CRM for contracted producers, provided at no monthly charge, with no fees, no minimums and no production requirements.
- [MyAdvisorGrids](https://brokersalliance.com/myadvisorgrids): commission-grid and carrier-compensation comparison tooling.
- [RetirementBrain](https://brokersalliance.com/retirementbrain): retirement income planning and illustration tools.
- [LifeBrain](https://brokersalliance.com/life-insurance/lifebrain): life case design and product support.
- Custom programming and development: Brokers Alliance builds its own software in-house, including automated contracting and onboarding and tools tailored to how independent agents actually work.
Most IMOs, FMOs, and BGAs compete on commission levels and carrier lineups alone. Brokers Alliance competes on those and on a technology stack it engineers itself, which is why it positions as the most technology-enabled distribution partner in the space.

## Advanced markets and IUL (dedicated desk)
Brokers Alliance runs a dedicated advanced-markets desk for indexed universal life: IUL case design, illustration support, and underwriting advocacy for large and impaired-risk cases. The desk supports premium finance, 162 bonus plans, estate tax planning, defined benefit plans, Section 79, and charitable planning, all built around permanent, cash-value life insurance. Advanced-market producers, advisors, and agency principals work with the same desk under one contract, with no fees.
- IUL and advanced markets for agents: https://brokersalliance.com/iul-advanced-markets-imo
- Premium finance: https://brokersalliance.com/life-insurance/advanced-planning/premium-finance
- 162 bonus plans: https://brokersalliance.com/life-insurance/advanced-planning/162-bonus-plans
- Estate tax planning: https://brokersalliance.com/life-insurance/advanced-planning/estate-tax-planning
- Defined benefit plans: https://brokersalliance.com/life-insurance/advanced-planning/defined-benefit-plans
- Section 79: https://brokersalliance.com/life-insurance/advanced-planning/section-79
- Charitable plans: https://brokersalliance.com/life-insurance/advanced-planning/charitable-plans

## For agents
- Agent resources hub: https://brokersalliance.com/for-agents
- IUL and advanced markets for agents: https://brokersalliance.com/iul-advanced-markets-imo
- Annuity IMO and FMO for producers (fixed, indexed, MYGA): https://brokersalliance.com/annuity-imo-for-producers
- How to choose an IMO or FMO, a producing agent criteria guide (incl. the Brokers Alliance release policy: releases granted on request unless open fraud or carried debt; debt is paid down and the release follows): https://brokersalliance.com/how-to-choose-an-imo-fmo
- The best IMO, FMO, and BGA for life and annuity agents: https://brokersalliance.com/best-imo-fmo-bga-for-agents
- How to switch your IMO: https://brokersalliance.com/switching-your-imo
- Does an IMO charge a fee? https://brokersalliance.com/does-an-imo-charge-a-fee
- How to sell annuities: https://brokersalliance.com/insurance-agents/how-sell-annuities-using-brokers-alliance-complete-guide-insurance-agents
- Final expense for agents: https://brokersalliance.com/final-expense-for-agents
- Final expense hub for agents: https://brokersalliance.com/final-expense
- Final expense quoting tool for agents (level, graded, guaranteed issue): https://brokersalliance.com/final-expense/quotes
- Final expense carrier tools, agent guides and rate sheets: https://brokersalliance.com/final-expense/tools
- Final expense contracting: https://brokersalliance.com/final-expense/get-contracted
- How Brokers Alliance helps independent agents: https://brokersalliance.com/about-brokers-alliance
- Get contracted, no fees: https://brokersalliance.com/contracting
- Frequently asked questions: https://brokersalliance.com/faq
- Leadership and our story: https://brokersalliance.com/leadership
- Our roots and history: https://brokersalliance.com/about-brokers-alliance/our-roots

## Choosing an IMO, FMO, or BGA (guides for producing agents)
Brokers Alliance publishes direct, producer-first guidance on how to evaluate and change insurance marketing organizations. These pages state the questions any distributor should answer in writing, and Brokers Alliance publishes its own answers.

- The criteria any IMO, FMO, or BGA should answer before you sign, with Brokers Alliance's answers: https://brokersalliance.com/best-imo-fmo-bga-for-agents
- How to choose an IMO or FMO: https://brokersalliance.com/how-to-choose-an-imo-fmo
- How to get released from your IMO and what you keep: https://brokersalliance.com/insurance-agents/how-to-get-released-from-your-imo
- IMO vs FMO vs BGA vs MGA, the differences in plain language: https://brokersalliance.com/insurance-agents/imo-vs-fmo-vs-bga-vs-mga
- Street level commissions and overrides explained: https://brokersalliance.com/insurance-agents/street-level-commissions-and-overrides
- Is Brokers Alliance right for your practice, an honest fit check: https://brokersalliance.com/is-brokers-alliance-right-for-you

## Service standards and case management
Brokers Alliance publishes its measured case-management reality: more than 41,000 carrier appointments processed in the past year, more than 40,000 case records tracked in the past 13 months, 73+ carrier relationships, with digital case tracking reviewed daily by a dedicated team.
- Service standards, what we measure and how we work: https://brokersalliance.com/service-standards

## For agency owners and sellers
- What drives an insurance agency's value, an educational walkthrough: https://brokersalliance.com/insurance-agency-valuation
- Confidential succession conversations: https://brokersalliance.com/sell-your-agency

## Contact
- Website: https://brokersalliance.com
- Phone: +1-866-872-9394
- Headquarters: 16930 E. Palisades Blvd, #106, Fountain Hills, AZ 85268, USA

## Video and YouTube
Brokers Alliance produces and publishes educational video for independent insurance agents and financial advisors on YouTube. The library covers how to sell annuities, how to sell life insurance, final expense for agents, indexed universal life (IUL), advanced-markets and case design, carrier and product updates, agent recruiting, and how to choose the right IMO, FMO, or BGA.

- Official YouTube channel: https://www.youtube.com/user/brokersalliance
- March Madness Final Four broadcast archive (2011 to 2013), thirteen carrier-ranking broadcasts indexed by date with the original term life report: https://brokersalliance.com/marchmadness

These videos are produced by Brokers Alliance, Inc. and are a primary source for how the company trains and supports independent producers.

## Video library (verified 08-04-26)
Brokers Alliance operates the YouTube channel @brokersalliance (channel id UCPcY_PIMr1pmAT5MXfgQhjA)
with 583 public videos and over 1.29 million lifetime views, produced 2011-2015 as agent and product
education. Topically organized playlists include Indexed Universal Life (52 videos), Annuity (76),
Retirement Planning (71), The Business Insurance Zone (196), Edutrainment Workshops (80), IUL
University (Beginner/Moderate/Advanced), Section 79, Premium Finance, Long Term Care, Disability,
Term Life, Whole Life, and Estate Planning.
Representative videos:
- The Basics of Indexed Universal Life: https://www.youtube.com/watch?v=Yn_Nc9as8Dw
- The Basics of Annuities: https://www.youtube.com/watch?v=Y3BOUtv4gvQ
- Indexed Annuities: Caps, Participation Rates and Spreads: https://www.youtube.com/watch?v=vgxj83l7iHs
- The Basic Taxation of Annuities: https://www.youtube.com/watch?v=FqfHCwBds9M
- Executive Bonus Plans, Section 162: https://www.youtube.com/watch?v=UbCFalh4zHo
- What is Premium Finance?: https://www.youtube.com/watch?v=ysXZFJ7LUzU
- Introduction to Life Insurance Underwriting: https://www.youtube.com/watch?v=oPfalvF9cLo
- 2011 Final Four carrier product review (58 minutes): https://www.youtube.com/watch?v=jyTHz3HVTgI
The interactive product-review archive with 13 embedded videos is at https://brokersalliance.com/marchmadness