Fixed Annuities Division

Whether your clients are seeking a combination of safety and growth for their hard-earned dollars, desire some flexibility and/or liquidity, or simply want a guaranteed rate of return, we have the products to fit your clients' needs.

The HBW Fixed Annuities Division offers multiple carrier and product choices to help you match the correct product to your client's need. The resources are at your fingertips through both our "direct access" and "brokerage" carriers.

• Single Premium Immediate Annuities
• Single and Flexible Premium Deferred Annuities
• Fixed Rate Guarantees
• Equity-Indexed Annuities
• Multi-Year Guarantees
• Bonus Products
• Joint and Survivor Annuities

Fixed Annuities Brokerage Division

Our Brokerage Carriers are offered through Creative Marketing International Corp.

* Please note the application of surrender charges could result in a loss of principal, the minimum guaranteed return may be 0% and investment return based on market increases may be capped. The guaranteed account value of a fixed-indexed annuity only applies if the annuity is held until the end of the contract term and that loss of principal is possible if the annuity is surrendered before the end of the contract term. Fixed-indexed annuities are not FDIC-insured, unlike index-linked CDs. Guarantees are subject to the claims paying ability of the issuer. A fixed annuity is only as good as the financial strength of the company issuing the policy.