Brokers AllianceIUL is where advanced planning gets funded.
Premium finance, executive bonus, estate liquidity, charitable structures: an advanced-markets desk that designs, illustrates and places the case beside you, with comp grids shown before you contract.
- 1982Family owned, led by David Racich since 2009
- 73+Carrier relationships across life and annuities
- 5 yrsTop Workplaces in Arizona, 2021 through 2025
Prefer to talk now? Call (480) 660-4488.
Case design, illustrations, and a fight at underwriting
Advanced-market IUL business is casework, not order taking. Start with the fact pattern in front of you.
IUL Case Design
The desk structures the policy around the planning objective: funding level, death benefit pattern, loan design, exit. The design is stress-tested before the client ever sees it, and the strategy drives the product, never the other way around. How the desk works is written down at the IUL and advanced-markets desk.
Illustration Support
Illustrations that survive scrutiny. The desk turns the case into an illustration the client can act on, and prepares you for the questions the client and the client’s CPA will ask before they sign.
Underwriting Advocacy
Large lines and impaired risks get shopped informally before anything is formally submitted. The desk packages the file, tells the story to the right underwriters, and argues for the offer on cases where the first answer is rarely the best one. More at the underwriting desk.
Six Planning Lanes, One Desk
Premium finance, 162 bonus plans, estate tax planning, defined benefit plans, Section 79 and charitable plans, all under one contract, with carrier compensation shown side by side in MyAdvisorGrids before you write. There is no fee to contract.
Short answers
Do I have to move my whole book to use the desk?
No. Bring the advanced case in front of you. A lot of producers run more than one relationship, and if you later decide to move business, how releases work is written down.
What does the desk cost?
Nothing. No contracting fee, no platform fee, no monthly cost. Compensation comes from standard carrier commissions and overrides, and MyAdvisorCloud is provided to contracted producers at no monthly charge.
Which strategies does the desk support?
Premium finance, 162 bonus plans, estate tax planning, defined benefit plans, Section 79 and charitable plans. Each puts permanent, cash-value life insurance to work inside a larger plan, and all of them run through the same desk under the same contract. The strategy pages under advanced planning go deeper.
Will someone argue the underwriting on a large or impaired case?
Yes. Large lines and impaired risks are shopped informally first, packaged with the story told to the right underwriters, and argued before a formal submission. The underwriting desk is a page of its own.
I am not licensed yet. Can I still talk to you?
Yes. We point you toward what you need to get licensed and stay in touch. Start with the life insurance exam study guide, and choose No, in process on the form so the follow-up fits where you are.
Bring the desk your next advanced-market case.
Brokers Alliance is a second-generation, family owned life and annuity IMO, FMO and BGA, founded in 1982 in Fountain Hills, Arizona. No contracting fee, no platform fee, no monthly cost.
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