Offer a Wealth of Diverse Products to Your Clients.

Royal Alliance gives you the flexibility to access financial products from hundreds of companies. This level of independence enables you to provide truly sound advice to your clients, with the confidence that you’re presenting them with the best available solutions for their needs.

Our Investment Products team will consult with you one-on-one to offer unbiased recommendations and support, while giving you strategic insight, positioning and comparisons among the tremendous range of products available to you and your clients. These include:

ABN AMRO (Aston Asset Management)
Aberdeen Funds
Alger Group
Allegiant Funds
Alliance Bernstein
Allianz Funds (PIMCO)
American Century Investments
American Funds
American Pension Investors (API Trust)
American Performance Funds
American Skandia Advisor Funds
Aquila Group
Ariel Investments
Aston Asset Management (ABN AMRO)
AXA Enterprise Funds
Baron Asset Fund
Bear Stearns Funds
Blackrock Funds
Brazos Funds
Burnham Group
Calamos Mutual Funds
Calvert Group
CDC Nvest (Natixis)
Citizens Funds
Cohen & Steers
Columbia Funds
Country Funds
Credit Suisse
Cullen Funds
CUNA Members Funds
Davis Funds
Delaware Investments
Diamond Hill
Domini Social Investments
Dunham Funds
Dreyfus Funds
DWS (Scudder)
Eagle Funds (Heritage Funds)
Eaton Vance Group
Evergreen Funds
Federated Funds
Fidelity Advisor Funds
First American Funds
First Eagle Funds
First Dominion Capital
First Funds
First Investors Group
Forward Funds (Kensington)
FPA Funds
Franklin Templeton
Gabelli Funds
Goldman Sachs Asset Mgmt Group
Harris Insight Funds (Phoenix Funds)
Hartford Mutual Funds
Heritage Family of Funds (Eagle Funds)
Hotchkis & Wiley Funds
ICON Fund
ING Funds
Integrity Mutual Funds (ND Capital)
INVESCO
Ivy Funds
Jackson National
Janus Advisor Funds
JennisonDryden (Prudential)
Jensen Portfolio
John Hancock Funds
JP Morgan Funds
Jundt Funds
Keeley Funds
Kelmoore Funds (Dunham Funds)
Kensington (Forward Funds)
Keystone
Kinetics Funds
Kopp Funds
Leader Short Term Bond Fund
Legg Mason
Legg Mason Partners
Lexington Group
Loomis Sayles (Natixis)
Lord Abbett Funds
MainStay Funds (NYL)
Managers Funds
Merrill Lynch
MFS Investment Management
MMA Praxis
Morgan Stanley
MTB Group of Funds (Vision)
Munder Funds
Nationwide Funds
Natixis Funds (CDC Nvest & Loomis Sayles)
Navellier Funds
New York Life (MainStay Funds)
ND Capital (Integrity Funds)
Nicholas-Applegate Mutual Funds
North Track Funds
Nuveen Mutual Funds
Old Mutual Funds
Olstein
OppenheimerFunds
Pacific Advisor Funds
Pacific Income Advisers
Pacific Life Funds
Pax World Funds
Phoenix Funds (Virtus)
PIC Funds
PIMCO (Allianz)
Pioneer Group
PMFM Funds
Portfolio 21 Fund
Principal Funds
ProFunds
Prudent Bear Fund
Prudential (JennisonDryden)
Putnam Investments
Quaker Funds
Quasar Distributors
RiverSource
Rochdale Funds
Royce Group of Funds
RS Funds
Russell Investments
Rydex
Salomon Bros
Saratoga
Scudder (DWS)
Security Group
Seligman (RiverSource)
Sentinel Group
SM&R Investments
Smith Barney Funds
Snow Capital Funds
Stephens Funds
Summit Funds
SunAmerica Mutual Funds
Tamarack Funds
Thornburg Funds
Timothy Plan
Touchstone Funds
Transamerica Idex Funds
Transamerica Premier Funds
UBS
Unified Series Trust
Van Eck Global Funds
Van Kampen Funds
Victory Funds
Viking Funds
Virtus Funds (Phoenix)
Wells Fargo Funds
Wells Real Estate Funds
Western Asset Management

Product availability changes from time to time. Contact us directly if you have questions about specific products.

Mutual Funds are sold by prospectus. Investors should consider the investment objectives, risks, charges and expenses of the fund carefully before investing. The prospectus contains this and other information about the mutual fund. The prospectus can be obtained by contacting a financial advisor. Please read the prospectus carefully before investing.

AIM Distributors (all closed to new business)
Alliance Bernstein (all closed to new business)
Allianz
Allmerica (all closed to new business)
Allstate (all closed to new business)
American National Insurance Co. (ANICO)
American General
Ameritas/UNIFI (FMG) (see also Union Central)
AXA/Equitable
Chase Insurance (all closed)
Commonwealth Annuity
Dreyfus
Fortis (Hartford)
Franklin Templeton
Genworth
Great American (Annuity Investors Life)
Guardian
The Hartford/PLANCO
IL Annuity & Insurance CO
ING
Integrity Life (and National Integrity Life)
Jackson National
Jefferson National (service only)
John Hancock (Manulife)
Kemper Investors Life (Zurich)
Lincoln Benefit Life (all closed to new business)
Lincoln Financial Distributors (Lincoln National Life)
Mass Mutual
MetLife
Metropolitan Life (proprietary - service only)
Midland National (Outer Bank)
Monumental Life
(Peoples Benefit)
Mutual of Omaha
National Life of Vermont
Nationwide/Best of America
Northern Life
Ohio National Life Insurance
OneAmerica (American United Life)
Pacific Life
Penn Mutual Life Insurance
Phoenix Home Life
Pioneer (MetLife)
Principal Life
Protective Life
Prudential
Reliastar
RiverSource (American Enterprise Life)
Scudder (all closed to new business)
Security Benefit Life (service only, no new sales)
SunLife Financial
SunAmerica Retirement Mkts
Symetra
Transamerica (Aegon)
Travelers Life and Annuity (all closed to new business)
Union Central/UNIFI (FMG) (see also Ameritas)
Western Reserve Life
WM Group of Funds (all closed to new business)

Product availability changes from time to time. Contact us directly if you have questions about specific products.

Variable Annuities are sold by prospectus. Investors should consider the investment objectives, risks, charges and expenses of the variable annuity contract and sub-accounts carefully before investing. The prospectus contains this and other information about the variable annuity contract and sub-accounts. Investors can obtain a prospectus from their registered representative. Please read the prospectus carefully before investing.

Insurance Services

The Insurance Services department functions as the insurance product marketing support department for Royal Alliance. Our job is to work with the advisor and help them make smart decisions regarding the use of insurance products and insurance based solutions. Our responsibility is to find out what role insurance plays in your practice, what type of service and support you need to grow that segment of your practice and then to bring that support to bear from any one or more of the Insurance Services Resources outlined below.

Focus Life Carriers

Royal has selling agreements with dozens of fine insurance carriers. However, only a few make the cut as Focus Life Carriers. While it is your choice on which carrier to use, we urge you to consider the merits of the Focus Life Carriers as the "best of the best". The Focus Life Carriers are specially selected insurance carriers who share our vision of maintaining a pro-active, aggressive internal insurance department and have demonstrated their willingness and ability to not only assist your Insurance Services department in delivering value to you, the Advisor, but to also facilitate the access and distribution of competitive, quality products and services. Each Focus Life Carrier has agreed to provide underwriting support, advanced planning support, operations support and other support as needed by our network of independent financial professionals. Many will also provide you with in the field, point-of-sale support on the more difficult cases you encounter.

Our Focus Life Carriers are:

American General
ING
John Hancock
Nationwide
Pacific Life
Penn Mutual Life Insurance Company
Sun Life Financial

Strategic Brokerage Partners

You will have access to our network of Strategic Brokerage Partners, regionally placed, through which you have available web-based term spreadsheets, long-term care insurance, fixed & indexed annuities as well as the traditional and variable life products from a select group of our Focus Life Carriers as well as many ancillary carriers. These independent brokerage agencies are committed to working with our network of Advisors and include:

Bufkin~Hefferon & Siegel/Ash Brokerage (eastern USA)
The National Benefit Corp (mid-USA)
Marsh Private Client Life Insurance Services (western USA)

Point-Of-Sale Support

You will have access to true, in-the-field point-of-sale support for those advanced insurance cases that are outside your comfort zone and which you do not feel comfortable handling on your own. The Insurance Services department has created regionally based relationships with the firm, LifeMark Partners, to deliver this hands-on concierge support. Use of LifeMark Partners will free up your time to focus on what you do best while not losing an important touch-point with your clients.

tioTERM (On-Line Term Insurance Order And Processing System)

tioTERM provides instant, reliable, term quotes based on a few simple health questions that every client can answer. Not just an order submission process or a quote engine, tioTERM is everything you need to quote, compare, select and order a term life policy, all on-line in an intuitive, easy-to-use, website. Competing products are quoted side-by-side for easy comparison, and product details are available online at the touch of a button. Orders are submitted through a simplified on-line form so tioTERM users never contend with voluminous applications or amendments and they do not waste valuable time scheduling exams or ordering medical records.

tioTERM participating carriers include:

American General
Genworth Financial
ING
BannerLife
West Coast Life

Product availability changes from time to time. Contact us directly if you have questions about specific products.

Alternative Investments - Suitability rules apply. Contact us for specific programs

Advisors with Royal Alliance have access to an array of alternative investment products non-correlated to the market and intended for additional portfolio diversification for investors that meet defined suitability requirements. For example, our alternative investment offerings allow advisors access to diverse asset classes such as real estate and natural resources (including timberland and oil and gas).

Our Investment Products and Research team is constantly researching new product offerings designed to assist advisors who have high net worth clients in which there is a need to consider adding alternative investments to their portfolio.

Looking for a specific product or program? Contact us with your questions.

Alternative investments are not suitable for all investors. The unique properties of alternative asset classes means that they can involve a high degree of risk.

Product availability changes from time to time. Contact us directly if you have questions about specific products.

Entities listed here outside of SunAmerica companies are not affiliated with Royal Alliance Associates.

Our family of available products is constantly evolving; please contact us with questions regarding the availability of a specific product.

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Securities and investment advisory services offered through Royal Alliance Associates, Inc., member FINRA, SIPC and SEC-registered investment adviser. Securities may lose value. Not FDIC/ NCUA insured. Not Bank or Credit Union guaranteed.