Fixed Annuities
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.
Getting Started
- Frequently Asked Questions - Important HBW Fixed Annuities Information
- Fixed Annuities Appointment Instructions - Carrier Contracting Through HBW
- Appointment Application Request Form (All Carriers)
- Contact List - Important Contacts for Fixed Annuities
- Principal Financial Group Sales Support - Contact numbers and regional wholesalers
- Submitting Business/Status - Mailing Addresses & Fax Numbers for Applications; Retrieving Status on Your Pending Business
- Fixed Annuities Commissions - Commission Schedules
- Customer Suitability Analysis Worksheet - Mandatory Presale Suitability Form
- American General Transmittal Form - Transmittal form to be used for FIRST American General Annuity processed through Creative Marketing
Sales Tools and Articles
- WEBINAR: Aviva Income Select Bonus – Don't Sacrifice Quality, Liquidity or Commission - Duration: 25 mins. / Recorded October 29, 2009
Description: Jason Smitka, AVP Advanced Marketing - Creative Marketing discusses the newly designed Income Select Bonus, now back with an 8% premium bonus and provides great tips on how to explain indexed annuities and their impact on asset preservation to your clients. - WEBINAR: American General Annuities - What You Really Need To Know - Duration: 29 mins. / Recorded June 3, 2009
Description: Jason Smitka, AVP Advanced Marketing - Creative Marketing discusses the financial stability of American General and provides a powerful overview of American General products. He takes a look at the enhanced features and benefits designed to help your clients meet their retirement goals - Indexed Annuities - Brokerage Carrier (Creative) Spreadsheet January-February, 2010
- Fixed Annuities - Brokerage Carrier (Creative) Spreadsheet January-February, 2010
- The ABC's of Fixed & Indexed Annuities - An Overview of Fixed and Indexed Annuities
- Equity-Indexed Annuities: Fundamental Concepts and Issues - Comprehensive Review of Indexed Annuities; Crediting Methods & Components; Reference Booklet
- Client Friendly Marketing Slides
- The IRA Check Up - Marketing Approach to Selling Qualified Annuities
- Annuity Approach Phrases
- Annuity Power Phrases
- NAFA White Paper - National Association for Fixed Annuities official "White Paper" on fixed indexed insurance products.
- Fixed Annuities Are Okay
- Understanding 72(t) Early Distributions
Important Links
- Creative Marketing Website - Track all your brokerage carrier pending business; sales, marketing and educational tools; webinars; call Aaron Grady at (800) 843-1266 to register.
- ING Fixed Annuities Product Guide
- Principal Financial Group Product Portfolio - Product listing and comparison
HBW Approved Carrier List
Please note that you cannot gain full access to carrier sites until you are appointed
Direct Access Carriers
Download applications directly from the websites. Original applications must be submitted directly to the carrier.
- ING USA Annuity and Life Insurance Co.
- Life Insurance Co. of the Southwest
- Principal Financial Group
- Reliastar Life Insurance Company (an ING company)
Brokerage Carriers - Offered Through Creative Marketing International Corp.
Download eKit applications for all carriers from Creative Marketing's Website. Original applications for all brokerage carriers must be submitted to Creative Marketing.
- Allianz Life Insurance Co. of North America
- American Equity Investment Life Insurance Co.
- American General Life Insurance Co.
- American Investors Life (an Aviva Co.)
- American National Insurance Company
- Annuity Investors Life Insurance Company (a Great American Life company)
- Aviva Life and Annuity Company (an Aviva USA company)
- Great American Life Insurance Co.
- Lafayette Life Insurance Group
- Lincoln Financial Group
- National Western Life Insurance Co.
- North American Company for Life and Health Insurance
- Old Mutual Financial Life Insurance Co.
- RBC Insurance
Approved 403(b) Carriers
Brokerage Carriers (available through Creative Marketing)
- Great American Life Insurance Company
- North American Company for Life and Health Insurance
Direct Access Carriers
- Life Insurance Company of the Southwest
- Reliastar Life Insurance Company
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 an equity-index 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. Equity index 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.
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Call Toll Free!
(800) 473-3856
8:30 AM to 5:00 PM Pacific, Monday through Friday -
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