Life Insurance

HBW represents a variety of different life carriers in order to meet the specific & individual needs of today's clients. To simplify the process and help our agents better understand the HBW system, we have divided our "LIFE" Carriers into 2 Categories: Highlight Carriers and the Life Brokerage Division. HBW recommends channeling your clients through the proper Division to expedite your business.

Highlight Carriers

Highly competitive products and superior compensation for your "Ordinary" business. (Ordinary at HBW is considered "Standard & Above" class rates) HBW'S Highlight Carriers consist of AIG/American General, and F&G/Old Mutual Financial Network.

Life Specialty Carriers

American-Amicable - Simplified Issue 10, 20 and 30 year level term, 20 and 30 with return of premium, featuring an optional disability income and critical illness riders and Final Expense plans with Immediate, graded death benefit and return of premium.

American National - For term quotes, underwriting and app& forms, please visit our Business pipeline.

Life Brokerage Division

Designed to shop "Impaired Risk Request" to find the Carrier most in tune with your client's specific impairment or "risk". (Cases that fall outside the "Standard & Above" class rates or product features at our Highlight Carriers) Our Life Brokerage Division consists of Genworth Life and Annuity Insurance Company, Banner Life, North American, Prudential, United of Omaha, U.S. Financial and West Coast Life.

To access carrier and product details for our Life Division click here.