In addition to our direct access carriers, HBW offers approximately 190 fixed and fixed-indexed annuities through Creative Marketing. Only top selling fixed and fixed-indexed annuities are listed. Contact HBW or Creative Marketing for information on products not listed below.
Commissions are assigned to HBW and paid as earned. Please allow a minimum of 2 to 3 weeks for commission statements to be received by HBW. Commission checks are processed each week on Friday and mailed no later than Monday. Please note that a minimum in $100 in commissions must be obtained before checks are generated. In addition to the following commissions, AVPs, EVPs, and NDAs receive generational overrides.
| HBW Level | NDA | EVP | AVP | PAVP | SAM | AM | REP 2 | REP 1 |
|---|---|---|---|---|---|---|---|---|
| Percentage Payout | 95% | 92.50% | 90% | 80% | 70% | 60% | 50% | 45% |
Commissions and override percentages are based upon the product payout, then by your HBW level.
Example: Commissionable Premium x Product Payout x HBW Assigned Level = Commission
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| Carrier/Product | Age | Year 1 | Renewal |
|---|---|---|---|
| Global Bonus Index | 0-75 | 7.00% | |
| Global Bonus Index | 76-80 | 4.50% | |
| Global 6 Index | 0-75 | 5.00% | 4.50% Yrs 2-3 |
| Global 6 Index | 76-80 | 4.50% | 4.00% Yrs 2-3 |
| Global 6 Index | 81-85 | 4.25% | 3.50% Yrs 2-3 |
| Global 8 Index | 0-75 | 6.00% | 5.00% Yrs 2-5 |
| Global 8 Index | 76-80 | 4.75% | 4.50% Yrs 2-5 |
| Horizon Indexed 12 Yr | 0-75 | 9.00% | |
| Horizon Indexed 12 Yr | 76-80 | 5.00% | |
| Horizon Indexed 12 Yr | 81-85 | 3.50% | |
| Horizon Indexed 9 Yr | 0-75 | 7.00% | |
| Horizon Indexed 9 Yr | 76-80 | 4.50% | |
| Horizon Indexed 9 Yr | 81-85 | 3.00% | |
| Emerging Edge | 0-75 | 7.00% | |
| Emerging Edge | 76-80 | 4.00% | |
| VisionAdvantage 5 Yr | 0-75 | 5.00% | |
| VisionAdvantage 5 Yr | 76-85 | 4.00% | |
| VisionAdvantage 7 Yr | 0-75 | 6.00% | |
| VisionAdvantage 7 Yr | 76-85 | 5.00% | |
| VisionAdvantage 9 Yr | 0-75 | 6.00% | |
| VisionAdvantage 9 Yr | 76-85 | 5.00% | |
| Vision Maximizer | 0-75 | 8.00% | |
| HorizonMYG | 0-75 | 9.00% | |
| HorizonMYG | 76-80 | 6.00% | |
| HorizonMYG | 81-85 | 4.00% | |
| HorizonChoice 5 Yr | 0-85 | 2.40% | |
| HorizonChoice 7 Yr | 0-85 | 4.50% | 2.20% |
| HorizonChoice 8 Yr | 0-85 | 3.50% | 1.70% |
| HorizonChoice 9 Yr | 0-85 | 2.65% | |
| HorizonChoice 10 Yr | 0-85 | 5.50% | |
| HorizonChoice Plus 2004 | 0-75 | 6.00% | |
| HorizonChoice Plus 2004 | 76-80 | 3.20% | |
| HorizonChoice Plus 2004 | 81-85 | 1.35% | |
| Horizon Flex | 0-75 | 5.00% | 4.00% Yrs 2-5 |
| Horizon Flex | 76-80 | 4.00% | 4.00% Yrs 2-5 |
| Horizon Flex | 81-85 | 3.00% | 3.00% Yrs 2-5 |
| Platinum Income SPIA | 0-90 | 3.00% |
| Option A | Option B | Option C | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
| Endurance 15 | 0-75 | 8.00% | 4.00% Yrs 2-3 | N/A | 5.50% | 2.75% Yrs 2-3* | *0.33% Yrs 2-7 | 2.00% | 1.00% | 1.00% Yrs 2+ |
| Endurance 15 | 76-80 | 5.00% | 2.50% Yrs 2-3 | N/A | 2.50% | 1.25% Yrs 2-3* | *1.00% Yrs 8+ | 1.00% | 0.50% | 1.00% Yrs 2+ |
| MasterDex | 0-75 | 7.00% | 3.50% Yrs 2-3 | N/A | 5.25% | 2.62% Yrs 2-3 | 0.50% Yrs 2+ | 3.00% | 1.50% Yrs 2-3 | 1.00% Yrs 2+ |
| MasterDex | 76-85 | 5.00% | 2.50% Yrs 2-3 | N/A | ||||||
| MasterDex 5 | 0-75 | 9.00% | 4.50% Yrs 2-5 | N/A | 7.00% | 3.50% Yrs 2-5 | 0.50% Yrs 2+ | 4.50% | 2.25% Yrs 2-5 | 1.00% Yrs 2+ |
| MasterDex 5 | 76-85 | 7.00% | 3.50% Yrs 2-5 | N/A | ||||||
| MasterDex 10 | 0-75 | 9.00% | 4.50% Yrs 2-5 | N/A | 7.00% | 3.50% Yrs 2-5 | 0.50% Yrs 2+ | 4.50% | 2.25% Yrs 2-5 | 1.00% Yrs 2+ |
| MasterDex 10 | 76-85 | 7.00% | 3.50% Yrs 2-5 | N/A | ||||||
| Carrier/Product | Age | Year 1 | Renewal | Trail |
|---|---|---|---|---|
| Bonus Gold | 0-75 | 8.00% | 2.75% Yrs 2-5 | N/A |
| Bonus Gold | 76-80 | 6.00% | 2.06% Yrs 2-5 | N/A |
| Bonus Gold | 81-85 | 4.00% | 1.37% Yrs 2-5 | N/A |
| Integrity Gold | 0-75 | 5.50% | 2.75% Yrs 2-5 | N/A |
| Integrity Gold | 76-80 | 4.12% | 2.06% Yrs 2-5 | N/A |
| Integrity Gold | 81-85 | 2.75% | 1.37% Yrs 2-5 | N/A |
| Option A | Option B | Option C | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
| Income Select 5 | 0-80 | 4.00% | 2.00% Yrs 2-3 | N/A | 2.00% | 1.00% Yrs 2-3 | 0.40% | 0.80% | 0.40% Yrs 2-3 | 0.80% |
| Income Select 5 | 81-85 | 3.00% | 1.50% Yrs 2-3 | N/A | 1.50% | 0.75% Yrs 2-3 | 0.30% | 0.60% | 0.30% Yrs 2-3 | 0.60% |
| Income Select 7 | 0-80 | 5.00% | 2.50% Yrs 2-3 | N/A | 2.50% | 1.25% Yrs 2-3 | 0.50% | 1.00% | 0.40% Yrs 2-3 | 1.00% |
| Income Select 7 | 81-85 | 3.50% | 1.75% Yrs 2-3 | N/A | 1.75% | 0.88% Yrs 2-3 | 0.35% | 0.70% | 0.35% Yrs 2-3 | 0.70% |
| Income Select 10 | 0-75 | 8.50% | 4.25% Yrs 2-5 | N/A | 4.25% | 2.25% Yrs 2-5 | 0.80% | 3.50% | 1.75% Yrs 2-5 | 1.00% |
| Income Select 10 | 76-83 | 7.00% | 3.50% Yrs 2-5 | N/A | 3.50% | 1.75% Yrs 2-5 | 0.70% | 2.00% | 1.00% Yrs 2-5 | 1.00% |
| Income Select Plus | 0-75 | 8.50% | 4.25% Yrs 2-5 | N/A | 4.25% | 2.25% Yrs 2-5 | 0.80% | 3.50% | 1.75% Yrs 2-5 | 1.00% |
| Income Select Plus | 76-83 | 7.00% | 3.50% Yrs 2-5 | N/A | 3.50% | 1.75% Yrs 2-5 | 0.70% | 2.00% | 1.00% Yrs 2-5 | 1.00% |
| Perform. Advantage 15 | 0-75 | 9.00% | 4.26% Yrs 2-7 | N/A | ||||||
| Bonus Select | 0-75 | 8.00% | 3.75% Yrs 2-7 | N/A | ||||||
| SPIA I | 0-80 | 3.00% | N/A | N/A | ||||||
| SPIA II | 0-80 | 4.00% | N/A | N/A | ||||||
| Option A | Option B | Option C | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
| MultiChoice Income5 | 0-80 | 4.00% | 2.00% Yrs 2-3 | N/A | 2.00% | 1.00% Yrs 2-3 | 0.40% | 0.80% | 0.40% Yrs 2-3 | 0.80% |
| MultiChoice Income5 | 81-85 | 3.00% | 1.50% Yrs 2-3 | N/A | 1.50% | 0.75% Yrs 2-3 | 0.30% | 0.60% | 0.30% Yrs 2-3 | 0.60% |
| MultiChoice Income7 | 0-80 | 5.00% | 2.50% Yrs 2-3 | N/A | 2.50% | 1.25% Yrs 2-3 | 0.50% | 1.00% | 0.50% Yrs 2-3 | 1.00% |
| MultiChoice Income7 | 81-85 | 3.50% | 1.75% Yrs 2-3 | N/A | 1.75% | 0.88% Yrs 2-3 | 0.35% | 0.70% | 0.35% Yrs 2-3 | 0.70% |
| MultiChoice Income10 | 0-80 | 8.50% | 4.25% Yrs 2-5 | N/A | 4.50% | 2.25% Yrs 2-5 | 0.80% | 3.50% | 1.75% Yrs 2-5 | 1.00% |
| MultiChoice Income10 | 81-83 | 7.00% | 3.50% Yrs 2-5 | N/A | 3.50% | 1.75% Yrs 2-5 | 0.70% | 2.00% | 1.00% Yrs 2-5 | 1.00% |
| MultiChoice IncomePlus | 0-80 | 8.50% | 4.25% Yrs 2-5 | N/A | 4.50% | 2.25% Yrs 2-5 | 0.80% | 3.50% | 1.75% Yrs 2-5 | 1.00% |
| MultiChoice IncomePlus | 81-83 | 7.00% | 3.50% Yrs 2-5 | N/A | 3.50% | 1.75% Yrs 2-5 | 0.70% | 2.00% | 1.00% Yrs 2-5 | 1.00% |
| MultiChoice 7 | 0-75 | 9.00% | 4.00% Yrs 2-7 | N/A | ||||||
| Option A | Option B | ||||||
|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
| Long Term Care Annuity with Rider | 45-60 | 9.00% | N/A | N/A | 2.80% | N/A | 0.34% Yrs 2+ |
| 61-70 | 8.00% | N/A | N/A | 2.40% | N/A | ||
| 71-80 | 6.00% | N/A | N/A | 1.35% | N/A | ||
| American Icon II | 0-75* | 8.50% | 7.50% Yr 2* | N/A | 6.20% | 5.70% Yr 2* | 0.42% Yrs 2+ |
| 76-80 | 7.30% | 6.30% Yr 2* | N/A | 4.70% | %Yr 2* | 0.42% Yrs 2+ | |
| 81-85 | 4.05% | 4.05% Yr 2* | N/A | 2.70% | %Yr 2* | 0.42% Yrs 2+ | |
| *18-75Q | *Reduces Yrs 3-5 | *Reduces Yrs 3-5 | |||||
| American Valor II | 0-75* | 6.50% | 5.00% Yr 2* | N/A | 4.70% | %Yr 2* | 0.42% Yrs 2+ |
| 76-80 | 5.35% | 4.30% Yr 2* | N/A | 3.70% | %Yr 2* | 0.42% Yrs 2+ | |
| 81-85 | 3.60% | 2.30% Yr 2* | N/A | 2.20% | %Yr 2* | 0.42% Yrs 2+ | |
| *18-75Q | *Reduces Yrs 3-5 | *Reduces Yrs 3-5 | |||||
| American Legend II | 0-75* | 5.50% | 4.50% Yr 2* | N/A | 3.30% | %Yr 2* | 0.42% Yrs 2+ |
| 76-80 | 5.10% | 4.15% Yr 2* | N/A | 2.70% | %Yr 2* | 0.42% Yrs 2+ | |
| 81-85 | 3.50% | 3.00% Yr 2* | N/A | 2.10% | %Yr 2* | 0.42% Yrs 2+ | |
| *18-75Q | *Reduces Yrs 3-5 | *Reduces Yrs 3-5 | |||||
| American Freedom 10-ST | 0-80 | 8.00% | N/A | N/A | 4.80% | N/A | 0.51% Yrs 2+ |
| 81-85 | 5.60% | N/A | N/A | ||||
| Renewals | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 |
| Marquis Centennial 10 | 0-70 | 8.00% | 7.00% | 6.00% | 5.00% | 4.00% | 3.00% | 2.00% | 1.50% | 1.00% |
| Marquis Centennial 10 | 71-80 | 7.00% | 6.00% | 6.00% | 5.00% | 4.00% | 3.00% | 2.00% | 1.50% | 1.00% |
| Marquis Centennial 10 | 81-85 | 5.00% | 4.00% | 4.00% | 3.00% | 3.00% | 2.00% | 2.00% | 1.50% | 1.00% |
| Marquis Centennial 7 | 0-70 | 6.00% | 3.00% | 3.00% | 2.00% | 1.00% | 0.50% | |||
| Marquis Centennial 7 | 71-80 | 5.00% | 3.00% | 3.00% | 2.00% | 1.00% | 0.50% | |||
| Marquis Centennial 7 | 81-85 | 4.00% | 2.50% | 2.50% | 2.00% | 1.00% | 0.50% | |||
| Marquis Centennial 5 | 0-75 | 4.00% | 3.00% | 2.00% | 1.00% | 0.50% | ||||
| Marquis Centennial 5 | 76-85 | 3.00% | 2.00% | 2.00% | 1.00% | 0.50% | ||||
| Marquis Centennial 3 | 0-75 | 2.00% | 1.00% | 0.60% | ||||||
| Marquis Centennial 3 | 76-85 | 1.00% | 1.00% | 0.60% | ||||||
| Horizon IA SPIA 94 (Life Income) |
0-69 | 3.00% | ||||||||
| Horizon IA SPIA 94 (Installment Income) |
70-95 | 2.00% | ||||||||
| Horizon IA SPIA 94 (Installment Income) |
3-4 Yrs | 1.50% | ||||||||
| Horizon IA SPIA 94 (Installment Income) |
5-7 Yrs | 2.50% | ||||||||
| Horizon IA SPIA 94 (Installment Income) |
8+ Yrs | 3.00% | ||||||||
| Renewals | |||||||||
|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8-10 |
| SecurePlus Saver | 0-80 | 4.00% | |||||||
| (5 Year) | 81-89 | 3.00% | |||||||
| SecurePlus Saver Select | 0-75 | 6.00% | |||||||
| (8 Year) | 76-85 | 4.00% | |||||||
| SecurePlus Premeir 3 | 0-75 | 6.00% | |||||||
| (9 Year) | 76-85 | 3.50% | |||||||
| SecurePlus Premier 8 | 0-75 | 8.00% | |||||||
| (12 Year) | 76-80 | 5.00% | |||||||
| 81-85 | 4.00% | ||||||||
| SecurePlus TLC | 0-75 | 8.00% | |||||||
| 76-80 | 6.00% | ||||||||
| SecurePlus Accumltr 5 | 0-70 | 7.00% | |||||||
| 71-75 | 6.00% | ||||||||
| 76-80 | 4.00% | ||||||||
| SecurePlus Accumltr 3 | 0-75 | 5.00% | |||||||
| 76-80 | 3.75% | ||||||||
| 81-85 | 2.25% | ||||||||
| SecurePlus Platinum | 0-65 | 10.00% | 7.00% | 7.00% | 7.00% | 7.00% | 3.50% | 3.50% | 3.50% |
| 66-70 | 10.00% | 6.00% | 6.00% | 6.00% | 6.00% | 3.50% | 3.50% | 3.50% | |
| 71-75 | 9.00% | 5.00% | 5.00% | 5.00% | 5.00% | 3.50% | 3.50% | 3.50% | |
| 76-80 | 8.00% | 3.50% | 3.50% | 3.50% | 3.50% | 2.50% | 2.50% | 2.50% | |
| SecurePlus Gold | 0-75 | 7.00% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% |
| 76-80 | 6.00% | 2.50% | 2.50% | 2.50% | 2.50% | 2.50% | 2.50% | 2.50% | |
| 81-85 | 4.00% | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | |
| SecurePlus Silver | 0-75 | 5.00% | 2.50% | 2.50% | 2.50% | 2.50% | 2.50% | 2.50% | 1.80% |
| 76-80 | 3.50% | 2.025% | 2.025% | 2.025% | 2.025% | 2.025% | 2.025% | 1.35% | |
| 81-85 | 3.50% | 1.35% | 1.35% | 1.35% | 1.35% | 1.35% | 1.35% | 0.90% | |
| 86-89 | 1.80% | 0.90% | 0.90% | 0.90% | 0.90% | 0.90% | 0.90% | 0.90% | |
| Option A | Option B | Option C | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
| OptiPoint 8 | 0-75 | 6.00% | 2.00% Yrs 2-3 | N/A | 4.75% | 2.00% Yrs 2-3 | 0.25% | 3.50% | 2.00% Yrs 2-3 | 0.50% |
| 1.00% Yrs 4-6 | N/A | 1.00% Yrs 4-6 | 0.25% | 1.00% Yrs 4-6 | 0.50% | |||||
| 76-80 | 4.00% | 2.00% Yrs 2-3 | N/A | 2.75% | 2.00% Yrs 2-3 | 0.25% | ||||
| 1.00% Yrs 4-6 | N/A | 1.00% Yrs 4-6 | 0.25% | |||||||
| 81-85 | 2.00% | 1.25% Yrs 2-3 | N/A | |||||||
| 0.75% Yrs 4-6 | N/A | |||||||||
| OptiPoint 10 | 0-75 | 7.00% | 2.00% Yrs 2-4 | N/A | 5.50% | 2.00% Yrs 2-4 | 0.25% | 4.00% | 2.00% Yrs 2-4 | 0.50% |
| 1.00% Yrs 5-8 | N/A | 1.00% Yrs 5-8 | 0.25% | 1.00% Yrs 5-8 | 0.50% | |||||
| 76-80 | 4.75% | 2.00% Yrs 2-4 | N/A | 3.25% | 2.00% Yrs 2-4 | 0.25% | ||||
| 1.00% Yrs 5-8 | N/A | 1.00% Yrs 5-8 | 0.25% | |||||||
| OptiPoint 12 | 0-75 | 8.00% | 2.00% Yrs 2-5 | N/A | 6.50% | 2.00% Yrs 2-5 | 0.25% | 5.00% | 2.00% Yrs 2-5 | 0.50% |
| 1.00% Yrs 6-10 | N/A | 1.00% Yrs 6-10 | 0.25% | 1.00% Yrs 6-10 | 0.50% | |||||
| OptiChoice 7 | 0-75 | 6.00% | 1.75% Yr 2 | N/A | 4.75% | 1.75% Yr 2 | 0.25% | 3.50% | 1.75% Yr 2 | 0.50% |
| 1.25% Yrs 3-4 | N/A | 1.25% Yrs 3-4 | 0.25% | 1.25% Yrs 3-4 | 0.50% | |||||
| 76-80 | 4.50% | 1.25% Yr 2 | N/A | 3.25% | 1.25% Yr 2 | 0.25% | ||||
| 0.75% Yrs 3-4 | N/A | 0.75% Yrs 3-4 | 0.25% | |||||||
| 81-85 | 3.00% | 1.25% Yr 2 | N/A | 1.75% | 1.25% Yr 2 | 0.25% | ||||
| 0.75% Yrs 3-4 | N/A | 0.75% Yrs 3-4 | 0.25% | |||||||
| Classic 5 | 0-75 | 4.00% | N/A | N/A | ||||||
| 76-80 | 2.75% | N/A | N/A | |||||||
| 81-85 | 1.50% | N/A | N/A | |||||||
| Classic 7 | 0-75 | 5.00% | N/A | N/A | ||||||
| 76-80 | 3.50% | N/A | N/A | |||||||
| 81-85 | 1.75% | N/A | N/A | |||||||
| Carrier/Product | Age | Year 1 | Renewal | Trail |
|---|---|---|---|---|
| Ultra Future * | 0-75 | 8.00% | 1.00% Yrs 2-5 | N/A |
| *All States Except WA, MN, IL, IN, NJ, PA | 76-80 | 6.00% | 1.00% Yrs 2-6 | N/A |
| 81-85 | 4.50% | 1.00% Yrs 2-7 | N/A | |
| Ultra Future * | 0-75 | 7.00% | 1.00% Yrs 2-5 | N/A |
| *Only WA, MN, IL, IN, NJ, PA | 76-80 | 5.00% | 1.00% Yrs 2-6 | N/A |
| 81-85 | 4.00% | 1.00% Yrs 2-7 | N/A | |
| Ultra Classic | 0-75 | 13.00% | 1.00% Yrs 2-5 | N/A |
| 76-80 | 11.50% | 1.00% Yrs 2-6 | N/A | |
| 81-85 | 10.00% | 1.00% Yrs 2-7 | N/A | |
| Ultra Benefit (NQ) | 0-75 | 8.00% | 2.00% Yrs 2-5 | N/A |
| 76-80 | 6.00% | 2.00% Yrs 2-6 | N/A | |
| 81-85 | 3.50% | 2.00% Yrs 2-7 | N/A | |
| Ultra Benefit (Q) | 0-70 | 8.00% | 2.00% Yrs 2-8 | N/A |
| 71-75 | 5.50% | 2.00% Yrs 2-9 | N/A | |
| 76-80 | 3.50% | 2.00% Yrs 2-10 | N/A | |
| 81-85 | 1.00% | 2.00% Yrs 2-11 | N/A |
| Carrier/Product | Year 1 | Age | Renewal | Renewal |
|---|---|---|---|---|
| Charter 7-Year | 0-85 | 8.50% | 3.00% Yrs 2-3 | 2.00% Yrs 4-7 |
| Precision 7-Year | 0-85 | 8.50% | 3.00% Yrs 2-3 | 2.00% Yrs 4-7 |
| Prizm 7-Year | 0-85 | 8.50% | 3.00% Yrs 2-3 | 2.00% Yrs 4-7 |
| Charter 10-Year | 0-79 | 8.50% | 3.00% Yrs 2-3 | 2.00% Yrs 4-7 |
| Precision 10-Year | 0-79 | 8.50% | 3.00% Yrs 2-3 | 2.00% Yrs 4-7 |
| Prizm 10-Year | 0-79 | 8.50% | 3.00% Yrs 2-3 | 2.00% Yrs 4-7 |
| Option A | Option B | Option C | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
| Spectrum Choice Bonus | 0-79 | 10.00% | 10.00% Yrs 2-3 | N/A | 3.35%* | N/A | 1.2% for 8 Yrs | 1.3%* | N/A | 1.3% for 8 Yrs |
| 80-85 | 5.00% | 5.00% Yrs 2-3 | N/A | * Options B & C apply to premiums of over $1 Million to $2.5 Million only. | ||||||
| Spectrum Rewards Reserve (Except MA) | 0-79 | 9.00%* | 9.00% Yrs 2-3 | N/A | 6.25% | 6.25% Yrs 2-3 | 0.50% | 3.50% | 3.50% Yrs 2-3 | 1.00% |
| 80-85 | 4.50%* | 4.50% Yrs 2-3 | N/A | * Reduced commissions w/Trails available for >$1 Million Premium | ||||||
| Spectrum Rewards Choice 9 (Except MA) | 0-79 | 9.00%* | 9.00% Yrs 2-3 | N/A | 6.25% | 6.25% Yrs 2-3 | 0.50% | 3.50% | 3.50% Yrs 2-3 | 1.00% |
| 80-85 | 4.50%* | 4.50% Yrs 2-3 | N/A | * Reduced commissions w/Trails available for >$1 Million Premium | ||||||
| Safety Index 7 | 0-79 | 6.00% | 6.00% Yrs 2-3 | N/A | 1.00% | 1.00% Yrs 2-3 | 0.75% | |||
| (All states except CT, MA, MN, UT, WA) | 80-85 | 3.00% | 3.00% Yrs 2-3 | N/A | ||||||
| Safety Index 7 | 0-79 | 4.75% | 4.75% Yrs 2-3 | N/A | 1.00% | 1.00% Yrs 2-3 | 0.75% | |||
| (Only CT, MA, MN, UT, WA) | 80-85 | 2.375% | 2.375% Yrs 2-3 | N/A | ||||||
| Loyalty Rwds Escltr 8 | 0-79 | 5.50% | 5.50% Yrs 2-3 | N/A | ||||||
| (All states except CT, MN, UT) | 80-85 | 2.75% | 2.75% Yrs 2-3 | N/A | ||||||
| Loyalty Rwds Escltr 10 | 0-79 | 6.50% | 6.50% Yrs 2-3 | N/A | ||||||
| (All states except CT, MN, UT) | 80-85 | 3.25% | 3.25% Yrs 2-3 | N/A | ||||||
| Guaranteed Income Plan SPIA | 0-89 | 3.00% | N/A | N/A | ||||||
| 90-94 | 2.75% | N/A | N/A | |||||||
| 95 | 2.50% | N/A | N/A | |||||||
| 96 | 2.25% | N/A | N/A | |||||||
| 97 | 2.00% | N/A | N/A | |||||||
| 98 | 1.50% | N/A | N/A | |||||||
| 99-100 | 0.75% | N/A | N/A | |||||||
| Carrier/Product | Age | Year 1 | Renewal | Trail |
|---|---|---|---|---|
| Performance Annuity 7 | 0-75 | 5.00% | N/A | N/A |
| 76+ | 3.33% | N/A | N/A | |
| Guaranteed Fixed Annuity | 0-80 | 4.00% | N/A | N/A |
| 81-90 | 2.60% | N/A | N/A | |
| 91+ | 1.30% | N/A | N/A | |
| FPDA Plus | 0-80 | 4.00% | 3.00% Yr-2 | N/A |
| 81-90 | 2.50% | 2.00% Yr-2 | N/A | |
| 91+ | 1.25% | 1.00% Yr-2 | N/A | |
| Select Series 3-Year | 0-80 | 1.00% | N/A | N/A |
| 81-85 | 0.50% | N/A | N/A | |
| Select Series 10-Year | 0-80 | 5.00% | N/A | N/A |
| 81-85 | 2.50% | N/A | N/A | |
| Income Annuity | 2.00%* | N/A | N/A | |
| 4.00%** | N/A | N/A |
| Carrier/Product | Age | Year 1 | Renewal | Trail |
|---|---|---|---|---|
| Value Master | 0-75 | 8.50% | 2.25% Yrs 2-6 | N/A |
| 76-80 | 6.50% | 1.25% Yrs 2-6 | N/A | |
| 81-85 | 5.50% | 1.25% Yrs 2-6 | N/A | |
| Flex Master | 0-70 | 5.00% | 3.00% Yrs 2-5 | |
| Master Builder | 0-69 | 6.25% | ||
| 70-80 | 4.25% | |||
| Guar. 3+3 Master | 0-75 | 2.00% | ||
| 76-80 | 1.25% | |||
| 81-85 | 0.50% | |||
| Index Master Dow 10-Yr | 0-75 | 9.00% | ||
| 76-80 | 7.25% | |||
| 81-85 | 5.25% | |||
| Index Master S&P 7-Yr | 0-75 | 6.00% | 1.75% Yrs 2-4 | |
| 76-80 | 4.75% | 1.25% Yrs 2-4 | ||
| 81-85 | 3.50% | 1.25% Yrs 2-4 |
The Commissions Limitations Period ("CLP") limits the initial commission payout for a fixed annuity sale to a maximum (cumulative) of $10,000.00 to the entire hierarchy for a 30 day period following the commission statement date. Any additional commissions still owed to the selling agent and hierarchy will be paid following the 30 day limitation period. This assures all of us that we are through the "Right of Examination Period" (Free Look Period) and the contract is in force prior to payment of extremely large commissions that could create detrimental chargebacks before the client's grace period is over.
To learn more about the Fixed annuities offered through HBW, please visit these websites: