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Dare to Compare the HBW opportunity to other Agency Building opportunities in our industry!

  1. Multiple carriers for different client needs.

  2. Totally Non-Captive. *

  3. No Full-Time Requirements at any level.

  4. Commissions and Overrides Paid directly from main carriers and B/D. **

  5. No Recruiting Requirements for Promotion. Promotions based on production only.

  6. No Replacement. You keep your entire organization upon promotion.

  7. No production requirements to maintain attained levels. ***

  8. Among the most Competitive Products in the industry.

  9. Free financial analysis software.

  10. Free Access to main carriers, B/D and pending business via toll-free numbers and the Internet.

  11. Complete Substandard Division for Impaired Risk clients.

  12. Advanced Training and Products for Upscale and wealthy clients.

* Outside business activity should be approved by Broker/Dealer for all securities registered representatives through HBW Securities LLC, (800) 473-3856

** All commissions and overrides paid directly from the carrier through AIG / American General.

*** Securities activity required to maintain securities contract. Securities license required for securities sales.

For Broker/Dealer Use Only. Not For Use With The Public.

HBW Insurance & Financial Services, Inc. is a separate entity from any member of American International Group, Inc.