FOR REGISTERED ADVISORS

Built for registered advisors and wealth managers

Carrier access, case design, incentive programs, and producer tools in one place, backed by a firm that has stayed independently owned since 1982. Advisory, insurance, or both.

Get contracted Talk to the team

73+ carriers Independently owned since 1982 Fountain Hills, Arizona (480) 210-7892

This page is for registered advisors, investment adviser representatives, and registered representatives. Looking for coverage as a consumer? Talk to a Brokers Alliance agent.

What Brokers Alliance does for registered advisors

Brokers Alliance is an independently owned life and annuity IMO, FMO and BGA that supports registered advisors, wealth managers, investment adviser representatives and registered representatives who want to add insurance and retirement income to a fee-based practice. Founded in 1982 by Joe Racich and led since 2009 by his son David Racich, it gives contracted advisors access to 73+ carriers, a case-design desk for advanced markets, and technology built in house rather than licensed from a vendor.

Advisors come to Brokers Alliance for three reasons. The insurance side of a plan is handled by specialists instead of squeezed in around the investment work. The advisory side stays independent, with RIA and broker-dealer paths that do not force a single lane. And the compensation is disclosed before the case is written, not discovered afterward.

01 · HOW ADVISORS WORK WITH US

Three ways to plug in

Pick the role that fits how you want to serve the client. Each one runs under the same contract and the same support bench.

AD Advisor path

Serve as an investment adviser representative, manage the relationship, and carry the advisory work end to end. Best when you want to own the plan and the client. See the advisor path.

SO Solicitor path

Refer and solicit business to the RIA without carrying the full advisory license load, and share in the result. See the solicitor path.

IN Insurance only

Keep your investment business exactly where it is and use Brokers Alliance purely for life, annuity and ancillary placement. See the life brokerage.

Explore RIA, broker-dealer and 401(k) opportunities Registered representatives and IARs keep their independence while they grow the book. See how the RIA works.

02 · ADVANCED MARKETS

The desk behind your high-net-worth cases

When a client fact pattern needs more than a quote, the advanced-markets desk turns it into a placeable case. Case design, illustration support, and underwriting advocacy on large and impaired-risk files.

PF Premium finance

Structure and support for financed life insurance on large cases. Premium finance.

ET Estate tax planning

Liquidity and wealth-transfer design for estates that will owe tax. Estate tax planning.

DB Defined benefit plans

Retirement plan design for owner-heavy and closely held businesses. Defined benefit plans.

Visit the IUL and advanced markets desk Also available: 162 bonus plans, Section 79, captive insurance and charitable plans.

03 · CARRIER INTELLIGENCE

Carrier spotlights and news

Stay current on the carriers you place business with. We surface carrier spotlights and news flashes so you always know what is moving, and we keep client engagement front and center.

CS Carrier Spotlights

A closer look at the carriers on the platform and where each one fits best.

NF Carrier News Flashes

Timely updates on carrier changes as they happen, so nothing catches you off guard.

CE Client Engagement

Materials and support that help you stay in front of your clients and keep relationships warm.

04 · TECHNOLOGY

The software is built in house

Brokers Alliance writes its own platform rather than licensing one, so the tools match the way the business actually runs. Contracted advisors get all of it at no additional cost.

MC MyAdvisorCloud

The advisor dashboard and single sign-on for the whole suite. Quoting, digital contracting, e-signature applications, illustrations and reporting in one workspace. About MyAdvisorCloud.

RB RetirementBrain

Model income gaps, Roth conversions, inflation and fee drag side by side with the client's current plan. About RetirementBrain.

MG MyAdvisorGrids

Your commission levels and hierarchy in one place, so you can see what a case pays before you write it. About MyAdvisorGrids.

Also included: LifeBrain, the online life quoter, life calculators and tools, and the Social Security gap calculator.

05 · INCENTIVES AND PRODUCER TOOLS

Incentives, reward points and the producer center

The programs that recognize the business you write, plus the day-to-day hub for running production.

CI Carrier Incentives

Access the incentive programs carriers run for producers on qualifying production. Carrier incentives.

RP Reward Points

Track and redeem the points you earn as your book grows.

PC Producer Center

Your hub for contracting, case status, and the day-to-day of running production. Check case status.

06 · BEYOND TRADITIONAL PRODUCTS

Alternatives for high-net-worth clients

Widen the conversations you can have and the clients you can serve, without leaving the platform.

LS Life settlements

A way to unlock value from an existing policy, with a comparatively low risk-return trade-off when measured against equities.

SC Structured cash flows

Flexible term options and higher rates of return than traditional fixed income options.

PM Precious metals

Wealth protection and shelter from volatility for clients who want to hold hard assets.

See alternative investments Also worth a look: long term care, disability and fixed indexed annuities.

07 · QUESTIONS

Common questions from advisors

Do I have to move my investment business to work with Brokers Alliance?

No. Many advisors contract for insurance and annuities only and leave their advisory business exactly where it is. If you do want an RIA or broker-dealer home, those paths exist here, but they are an option rather than a condition.

What is the difference between the advisor path and the solicitor path?

On the advisor path you serve as an investment adviser representative and carry the advisory work end to end. On the solicitor path you refer and solicit business to the RIA without carrying the full advisory license load, and share in the result. Both can receive compensation tied to assets under management.

Does it cost anything to contract?

No. There are no fees to contract with Brokers Alliance and no charge for case design, illustration support, or underwriting advocacy. Brokers Alliance is compensated by the carrier when a case issues.

Do I keep my own clients and hierarchy?

Yes. Brokers Alliance is a wholesale distributor, not a retail agency competing with you. Your clients stay yours and your downline hierarchy is protected.

Is the technology an extra cost?

No. MyAdvisorCloud, MyAdvisorGrids, RetirementBrain and LifeBrain are included with a Brokers Alliance contract. They are built in house rather than licensed from a third party.

How many carriers can I access?

73+ carriers across life, annuity and ancillary lines. Which ones you can write depends on your licensing, your state, and the carrier's own appointment requirements.