Fixed Annuities Division

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 - Mailing Addresses & Fax Numbers for Applications
• 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

• Fixed Annuities Brokerage Carrier Spreadsheet December 2008 - 8Mb Download. Not recommended for dial-up connections.
• 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
• The IRA Check Up - Marketing Approach to Selling Qualified Annuities
• NAFA White Paper - National Association for Fixed Annuities official "White Paper" on fixed indexed insurance products.

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.
• Principal Financial Group
• Life Insurance Co. of the Southwest

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
• AIG/American General Life Insurance Co.
• American Equity Investment Life Insurance Co.
• American Investors Life (an Aviva Co.)
• AmerUs (an Aviva Co.)
• Great American Life Insurance Co.
• Old Mutual Financial Life Insurance Co. (formerly Fidelity & Guaranty)
• Lafayette Life Insurance Group
• Lincoln Financial Group (formerly Jefferson Pilot Financial)
• National Western Life Insurance Co.
• North American Company for Life and Health Insurance
• RBC Insurance (Formerly BMA)