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% | |
| 76-80 | 4.50% | ||
| Global 6 Index | 0-75 | 5.00% | 4.50% Yrs 2-3 |
| 76-80 | 4.50% | 4.00% Yrs 2-3 | |
| 81-85 | 4.25% | 3.50% Yrs 2-3 | |
| Global 8 Index | 0-75 | 6.00% | 5.00% Yrs 2-5 |
| 76-80 | 4.75% | 4.50% Yrs 2-5 | |
| Horizon Indexed 12 Yr | 0-75 | 9.00% | |
| 76-80 | 5.00% | ||
| 81-85 | 3.50% | ||
| Horizon Indexed 9 Yr | 0-75 | 7.00% | |
| 76-80 | 4.50% | ||
| 81-85 | 3.00% | ||
| Emerging Edge | 0-75 | 7.00% | |
| 76-80 | 4.00% | ||
| VisionAdvantage 5 Yr | 0-75 | 5.00% | |
| 76-85 | 4.00% | ||
| VisionAdvantage 7 Yr | 0-75 | 6.00% | |
| 76-85 | 5.00% | ||
| VisionAdvantage 9 Yr | 0-75 | 6.00% | |
| 76-85 | 5.00% | ||
| Vision Maximizer | 0-75 | 8.00% | |
| HorizonMYG | 0-75 | 9.00% | |
| 76-80 | 6.00% | ||
| 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% | |
| 76-80 | 3.20% | ||
| 81-85 | 1.35% | ||
| Horizon Flex | 0-75 | 5.00% | 4.00% Yrs 2-5 |
| 76-80 | 4.00% | 4.00% Yrs 2-5 | |
| 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+ |
| 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+ |
| 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+ |
| 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+ |
| 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 |
| 76-80 | 6.00% | 2.06% Yrs 2-5 | N/A | |
| 81-85 | 4.00% | 1.37% Yrs 2-5 | N/A | |
| Integrity Gold | 0-75 | 5.50% | 2.75% Yrs 2-5 | N/A |
| 76-80 | 4.12% | 2.06% Yrs 2-5 | N/A | |
| 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% |
| 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% |
| 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% |
| 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% |
| 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 Bonus | 0-80 | 8.00% | 4.00% Yrs 2-5 | N/A | 4.00% | 2.00% Yrs 2-5 | 0.80% | 3.00% | 1.00% Yrs 2-5 | 1.50% |
| 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% |
| 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% |
| 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% |
| 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% |
| 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 Income Xtra | 0-80 | 8.00% | 4.00% Yrs 2-5 | N/A | 4.00% | 2.00% Yrs 2-5 | 0.80% | 3.00% | 1.00% Yrs 2-5 | 1.50% |
| MultiChoice 7 | 0-75 | 9.00% | 4.00% Yrs 2-7 | N/A | ||||||
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
|---|---|---|---|---|---|---|---|
| Option NT | Option T2 | ||||||
| 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 | ||||
Commissions are advanced (annualized) at 75% for all agent levels on 403b business only.
| Option NT | Option T1 | Option T2 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
| Flex Max 7 | 0-85* | 5.20% | 2.75% Yrs 2-5 | N/A | 4.05% | 2.60% Yrs 2-5 | 0.12% Yrs 2+ | 2.60% | 1.85% Yrs 2-5 | 0.30% Yrs 2+ |
| *18-85 Q | 1.44% Yrs 6+ | N/A | 1.44% Yrs 6+ | 0.12% Yrs 2+ | 0.60% Yrs 6+ | 0.30% Yrs 2+ | ||||
| FlexMax 10 | 0-70* | 7.75% | 5.20% Yrs 2-5 | N/A | 6.75% | 4.50% Yrs 2-5 | 0.12% Yrs 2+ | 4.10% | 2.25% Yrs 2-5 | 0.30% Yrs 2+ |
| *18-70 Q | 1.44% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | ||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| 71-85 | 6.75% | 4.50% Yrs 2-5 | N/A | 5.40% | 2.95% Yrs 2-5 | 0.12% Yrs 2+ | 3.35% | 2.25% Yrs 2-5 | 0.30% Yrs 2+ | |
| 1.44% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | |||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| FlexMax 10 Single Premium Rate (Any premium $3,000 or greater) |
0-70* | 6.00% | 4.50% Yrs 2-5 | N/A | 5.15% | 3.75% Yrs 2-5 | 0.12% Yrs 2+ | 4.10% | 2.25% Yrs 2-5 | 0.30% Yrs 2+ |
| *18-70 Q | 1.44% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | ||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| 71-85 | 4.50% | 2.95% Yrs 2-5 | N/A | 3.30% | 2.25% Yrs 2-5 | 0.12% Yrs 2+ | 3.35% | 1.44% Yrs 2-5 | 0.30% Yrs 2+ | |
| 1.44% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | |||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| FlexMax 14 | 0-55* | 9.75% | 4.75% Yrs 2-5 | N/A | 9.00% | 3.75% Yrs 2-5 | 0.12% Yrs 2+ | 4.50% | 2.25% Yrs 2-5 | 0.30% Yrs 2+ |
| *18-55 Q | 2.25% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | ||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| 56-70 | 6.75% | 3.75% Yrs 2-5 | N/A | 5.40% | 2.60% Yrs 2-5 | 0.12% Yrs 2+ | 2.60% | 1.44% Yrs 2-5 | 0.30% Yrs 2+ | |
| 2.25% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | |||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| 71-80 | 5.90% | 2.95% Yrs 2-5 | N/A | 4.75% | 1.44% Yrs 2-5 | 0.12% Yrs 2+ | 2.25% | 1.44% Yrs 2-5 | 0.30% Yrs 2+ | |
| 1.44% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | |||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| FlexMax 14 Single Premium Rate (Any premium $3,000 or greater) |
0-55* | 9.00% | 4.50% Yrs 2-5 | N/A | 7.75% | 3.35% Yrs 2-5 | 0.12% Yrs 2+ | 4.50% | 2.25% Yrs 2-5 | 0.30% Yrs 2+ |
| *18-55 Q | 1.44% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | ||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| 56-70 | 6.75% | 3.35% Yrs 2-5 | N/A | 5.40% | 2.25% Yrs 2-5 | 0.12% Yrs 2+ | 2.60% | 1.44% Yrs 2-5 | 0.30% Yrs 2+ | |
| 1.44% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | |||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| 71-80 | 3.75% | 2.60% Yrs 2-5 | N/A | 2.60% | 1.44% Yrs 2-5 | 0.12% Yrs 2+ | 2.25% | 1.44% Yrs 2-5 | 0.30% Yrs 2+ | |
| 1.44% Yrs 6-10 | N/A | 1.44% Yrs 6-10 | 0.12% Yrs 2+ | 1.44% Yrs 6-10 | 0.30% Yrs 2+ | |||||
| 1.44% Yrs 11+ | N/A | 1.44% Yrs 11+ | 0.12% Yrs 2+ | 0.60% Yrs 11+ | 0.30% Yrs 2+ | |||||
| GreatFlex 6 | 0-55* | 7.50% | 4.05% Yrs 2-5 | N/A | 5.00% | 5.00% Yrs 2-5 | N/A | N/A | N/A | 0.65% Yrs 1+ |
| *18-55 Q | 2.60% Yrs 6-10 | N/A | 5.00% Yrs 6-10 | N/A | N/A | N/A | ||||
| 2.60% Yrs 11+ | N/A | 2.50% Yrs 11+ | N/A | N/A | N/A | |||||
| 56-65 | 4.75% | 4.75% Yrs 2-5 | N/A | 4.05% | 4.05% Yrs 2-5 | N/A | N/A | N/A | ||
| 3.60% Yrs 6-10 | N/A | 4.05% Yrs 6-10 | N/A | N/A | N/A | |||||
| 3.60% Yrs 11+ | N/A | 1.80% Yrs 11+ | N/A | N/A | N/A | |||||
| 66-70 | 4.75% | 4.75% Yrs 2-5 | N/A | 4.05% | 4.05% Yrs 2-5 | N/A | N/A | N/A | ||
| 3.60% Yrs 6-10 | N/A | 4.05% Yrs 6-10 | N/A | N/A | N/A | |||||
| 3.60% Yrs 11+ | N/A | 1.80% Yrs 11+ | N/A | N/A | N/A | |||||
| 71-75 | 3.75% | 3.60% Yrs 2-5 | N/A | 2.60% | 2.60% Yrs 2-5 | N/A | N/A | N/A | ||
| 3.60% Yrs 6-10 | N/A | 2.60% Yrs 6-10 | N/A | N/A | N/A | |||||
| 3.60% Yrs 11+ | N/A | 1.30% Yrs 11+ | N/A | N/A | N/A | |||||
| 76-80 | 1.95% | 1.95% Yrs 2-5 | N/A | 1.80% | 1.80% Yrs 2-5 | N/A | N/A | N/A | ||
| 1.95% Yrs 6-10 | N/A | 1.80% Yrs 6-10 | N/A | N/A | N/A | |||||
| 1.95% Yrs 11+ | N/A | 0.85% Yrs 11+ | N/A | N/A | N/A | |||||
| GreatFlex 6 Single Premium Rate (= any premium $3,000 or greater) |
0-55* | 4.75% | 4.75% Yrs 2-5 | N/A | 4.05% | 4.05% Yrs 2-5 | N/A | N/A | N/A | 0.65% Yrs 1+ |
| *18-55 Q | 1.95% Yrs 6-10 | N/A | 4.05% Yrs 6-10 | N/A | N/A | N/A | ||||
| 56-65 | 4.75% | 4.05% Yrs 2-5 | N/A | 4.05% | 4.05% Yrs 2-5 | N/A | N/A | N/A | ||
| 3.60% Yrs 6-10 | N/A | 4.05% Yrs 6-10 | N/A | N/A | N/A | |||||
| 66-70 | 3.60% | 4.75% Yrs 2-5 | N/A | 2.60% | 4.05% Yrs 2-5 | N/A | N/A | N/A | ||
| 1.95% Yrs 6-10 | N/A | 4.05% Yrs 6-10 | N/A | N/A | N/A | |||||
| 71-75 | 2.90% | 2.90% Yrs 2-5 | N/A | 2.50% | 2.50% Yrs 2-5 | N/A | N/A | N/A | ||
| 1.80% Yrs 6-10 | N/A | 2.60% Yrs 6-10 | N/A | N/A | N/A | |||||
| 76-80 | 1.95% | 1.95% Yrs 2-5 | N/A | 1.80% | 1.80% Yrs 2-5 | N/A | N/A | N/A | ||
| 1.25% Yrs 6-10 | N/A | 1.80% Yrs 6-10 | N/A | 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% |
| 71-80 | 7.00% | 6.00% | 6.00% | 5.00% | 4.00% | 3.00% | 2.00% | 1.50% | 1.00% | |
| 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% | |||
| 71-80 | 5.00% | 3.00% | 3.00% | 2.00% | 1.00% | 0.50% | ||||
| 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% | ||||
| 76-85 | 3.00% | 2.00% | 2.00% | 1.00% | 0.50% | |||||
| Marquis Centennial 3 | 0-75 | 2.00% | 1.00% | 0.60% | ||||||
| 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% | ||||||||
| 3-4 Yrs | 1.50% | |||||||||
| 5-7 Yrs | 2.50% | |||||||||
| 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 5 Year |
0-80 | 4.00% | |||||||
| 81-89 | 3.00% | ||||||||
| SecurePlus Saver Select 8 Year |
0-75 | 6.00% | |||||||
| 76-85 | 4.00% | ||||||||
| SecurePlus Premeir 3 9 Year |
0-75 | 6.00% | |||||||
| 76-85 | 3.50% | ||||||||
| SecurePlus Premier 8 12 Year |
0-75 | 8.00% | |||||||
| 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 5 | 0-75 | 5.00% | 1.50% Yr 2 | N/A | 4.25% | 1.50% Yr 2 | 0.25% | 3.50% | 1.50% Yr 2 | 0.50% |
| 1.00% Yrs 3-4 | N/A | 1.00% Yrs 3-4 | 0.25% | 1.00% Yrs 3-4 | 0.50% | |||||
| 76-80 | 3.75% | 1.00% Yr 2 | N/A | 3.00% | 1.00% Yr 2 | 0.25% | 2.25% | 1.00% Yr 2 | 0.50% | |
| 0.50% Yrs 3-4 | N/A | 0.50% Yrs 3-4 | 0.25% | 0.50% Yrs 3-4 | 0.50% | |||||
| 81-85 | 2.50% | 1.00% Yr 2 | N/A | 1.75% | 1.00% Yr 2 | 0.25% | N/A | |||
| 0.50% Yrs 3-4 | N/A | 0.50% Yrs 3-4 | 0.25% | |||||||
| 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% | N/A | |||
| 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% | N/A | |||
| 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 All States Except WA, MN, IL, IN, NJ, PA |
0-75 | 8.00% | 1.00% Yrs 2-5 | N/A |
| 76-80 | 6.00% | 1.00% Yrs 2-6 | N/A | |
| 81-85 | 4.50% | 1.00% Yrs 2-7 | N/A | |
| Ultra Future Only WA, MN, IL, IN, NJ, PA |
0-75 | 7.00% | 1.00% Yrs 2-5 | N/A |
| 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 |
| Option A | Option B | Option C | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Carrier/Product | Age | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail | Year 1 | Renewal | Trail |
| Charter / Precision / Prizm / Prizm Plus (7 Year Options) |
0-85 | 8.50% | 3.00% Yrs 2-3 | N/A | 5.25% | 1.50% Yrs 2-3 | 0.50% | 2.50% | 0.50% Yrs 2-3 | 1.00% |
| 2.00% Yrs 4-7 | 1.00% Yrs 4-7 | |||||||||
| Charter / Precision / Prizm / Prizm Plus (10 Year Options) |
0-79 | 8.50% | 3.00% Yrs 2-3 | N/A | 5.50% | 2.50% Yrs 2-3 | 0.50% | 2.75% | 1.25% Yrs 2-3 | 1.00% |
| 2.00% Yrs 4-7 | 1.00% Yrs 4-7 | |||||||||
| North American Ten | 0-79 | 6.50% | 2.00% Yrs 2-3 | N/A | 3.75% | 0.75% Yrs 2-3 | 0.50% | 1.00% | 1.00% | |
| 0.50% Yrs 4-7 | ||||||||||
| Paramount Choice Ten | 0-79 | 6.50% | 2.00% Yrs 2-3 | N/A | 3.75% | 0.75% Yrs 2-3 | 0.50% | 1.00% | 1.00% | |
| 0.50% Yrs 4-7 | ||||||||||
| Charter / Precision / Prizm / Prizm Plus (14 Year Options) |
0-75 | 8.50% | 3.00% Yrs 2-3 | N/A | 5.50% | 2.50% Yrs 2-3 | 0.50% | 2.75% | 1.25% Yrs 2-3 | 1.00% |
| 2.00% Yrs 4-7 | 1.00% Yrs 4-7 | |||||||||
| N.A. Income (SPIA) | 2.00% | |||||||||
| 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 AK & 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 AK & MA |
0-79 | 9.00%* | 9.00% Yrs 2-3 | N/A | 6.75% | 6.75% Yrs 2-3 | 0.50% | 4.50% | 4.50% 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 4 | 0-79 | 3.00% | 3.00% Yrs 2-3 | N/A | 1.00% | 1.00% Yrs 2-3 | 0.50% | |||
| 80-90 | 1.50% | 1.50% Yrs 2-3 | N/A | |||||||
| Safety Index 7 All states except CT, MA, MN, UT, WA |
0-79 | 6.00% | 6.00% Yrs 2-3 | N/A | 1.00% | 1.00% Yrs 2-3 | 1.00% | |||
| 80-85 | 3.00% | 3.00% Yrs 2-3 | N/A | |||||||
| Safety Index 7 CT, MA, MN, UT, WA Only |
0-79 | 4.75% | 4.75% Yrs 2-3 | N/A | 1.00% | 1.00% Yrs 2-3 | 0.75% | |||
| 80-85 | 2.375% | 2.375% Yrs 2-3 | N/A | |||||||
| Accelerator Bonus 10 | 0-79 | 8.50% | 8.50% Yrs 2-3 | N/A | ||||||
| 80-85 | 4.25% | 4.25% Yrs 2-3 | N/A | |||||||
| Accelerator Bonus 14 | 0-79 | 8.50% | 8.50% Yrs 2-3 | N/A | ||||||
| 80-85 | 4.25% | 4.25% 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: