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HBW Agent Agreement and American General Appointment

HBW Recession Buster Program: Sign up for only $49.99!

How to Get Started

Unlicensed

Complete only the HBW Agent Agreement, start your pre-licensing requirements, and begin working with your upline recruiter. Once you complete the state pre-licensing requirements and pass the state licensing exam, you can begin contracting with carriers and producing business.

Click here for a list of state pre-licensing requirements.

ABLE Incorporated and A.D. Banker and Company have discounted Pre-Licensing packages for all HBW agents.

ABLE Incorporated
A. D. Banker & Company

Licensed

Complete the HBW Agent Agreement and American General Appointment paperwork. Once your appointment has been approved you can begin producing business and contracting with other carriers and divisions.

Anti-Money Laundering Training

All agents and brokers are required to take the Anti–Money Laundering Training Course per the USA Patriot Act.

The Insurance Carriers have partnered with LIMRA International to offer the AML base and recertification training.

The life carriers will contact LIMRA to set up an account for you. Once appointed to a carrier please log in to the course at the following web address: https://aml.limra.com

The first time you log in, you must enter your user name and password as follows:

  • Username – Your username is the first four letters of your last name (lowercase) combined with the last six digits of your Social Security number.
  • Password – Your pre–assigned password is your complete last name (lowercase)

Once you have logged in you will be prompted to create a new password. The new password must be different from the pre-assigned password to gain access to the training site.

If you are not appointed to a carrier and wish to complete the training before you submit your appointment application you can log in to the course at the following web address: http://nailba.limra.com/Nailba_default.html

Please follow the above instructions once you log in for the first time.

If you complete your AML training through another provider the life carriers will require a copy of the Certificate showing proof of completion.

LIMRA will not send you a certificate of completion as the life carriers will be able to verify the training through the LIMRA website.


Please review the HBW Recruiting Standards & Practices.

Please note: The $49.99 application fee is non-refundable.