A Product Perspective

Your Business - Your Choice

HBW has many facets. You can become a great personal producer while recruiting and building your own organization. You can remain focused on a single product line and earn a great income by selling, for example, term life insurance, securities or mortgages. You can also represent multiple lines of products. HBW agents are succeeding at all of these endeavors today. Even if you choose to remain focused and narrow with your sales effort, you still have the ability to be a great financial consultant to your clients through the ability to tap into HBW's team approach to financial services.

Trying to be all things to all people can often dilute your sales effort causing your income to suffer. That is why you can rely on an HBW team approach with you as the financial hub and primary contact for your clients.

What that means is that you can fulfill all of your client's financial needs by bringing in a member of your team to handle the sale of a product you either aren't licensed to sell or don't want to focus on. With the team approach, your clients learn to rely on you for solutions to all of their financial needs whether or not you personally handle the sale.

What is the benefit? When you do a great job for your clients, not only do you retain those clients for future sales but you begin to build your business through referrals. Cold calls become a thing of the past.

A Complete Product Line with Top-Rated Carriers

At HBW, we do, at no cost to the client, what so many others in the financial services industry charge exorbitantly for. We don't just sell a product but we provide financial solutions for our clients. We develop a long-term financial plan then fill in the pieces of the puzzle to complete that plan for the client. Does this mean you have to be an expert in all types of insurance, securities products and wealth accumulation vehicles? Absolutely not!

But when you are ready to expand your product knowledge and field of expertise, rest assured that through our direct access carriers and brokerage divisions, HBW provides you with a tremendous variety of financially solid carriers and access to a multitude of competitive products that create value and security for your clients. As a major distributor of American General Life Insurance with an A++ rating (highest A.M. Best rating), we set the tone at HBW through impeccable financial ratings and rock solid products whether it's life insurance, variable products, mutual funds, fixed & indexed annuities, long term or disability insurance or mortgages.

HBW Insurance & Financial Services, Inc. is a great business opportunity for you with the right solutions for your clients.

Doug Feco
Vice President, Sales & Marketing
HBW Financial Services, Inc.