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At HBW we provide our clients with a free Financial Needs Analysis.

Providing solutions to today's economic times is what HBW is all about.

We have among the highest rated and competitive companies in the Life Insurance Industry to provide you with a comprehensive Life Insurance program.

HBW uses companies such as ING, Genworth, Old Mutual, etc. and many of the main carriers you have heard of most of which are A+ rated or better.

HBW believes term insurance is the best life insurance product for most of America. However we have an array of permanent life insurance products we use when appropriate.

Our Mutual Funds include many of the top rated funds, some are 5 star rated.

Our Variable Annuities include Hartford, John Hancock, Pacific Life, and many more. These companies are among the largest and most competitive in the industry and many are 5 star rated.

Our fixed and equity index annuities companies are also among the largest and most competitive in the industry. We represent Aviva, Great American and Allianz to name a few.

HBW also provides Long Term Care and Critical Care Plans.

COMPARE OUR CAREER OPPORTUNITY AT HBW

HBW is more than just a financial solutions company. HBW offers an incredible business opportunity. The HBW platform can give you the freedom and financial independence that you've been looking for. If you're looking for a gratifying career that can give you the life and the time that you've been dreaming of then HBW may be the opportunity for you!

Our Vision: To Be The Preeminent Company in Financial Services. If you truly want to help people join a company that cares, that has a vision, that keeps the "The Field Force is King" mentality. We don't just sell the dream. We deliver. HBW is built for the person that wants to help people and become wealthy in the process.

Whether you want to build a business by recruiting agents or build a business by acquiring assets under management and develop a client base, HBW has a step-by-step system for you.

Business System:

• Immediate and TRUE business Ownership
• Generation overrides
• High Commission Levels
• Non-captive agency
• Ground-floor Opportunity
• Ability to get paid as a corporation
• Our own Broker Dealer
• Direct contact with Underwriters
• Inexperienced or new agents start 55%
• Impaired Risks
• Multiple Companies
• Index Annuities
• Contests Trips & Recognition
• Network with other Professionals
• Among the Most Competitive Rates
• Product Training
• LTC and Disability Products
• Mutual Funds and Variable Annuities
• NO office hour requirements
• NO monthly fees for software and support
• NO recruiting requirement
• NO full-time requirement
• NO Commission roll-back
• NO Replacement Leg
• NO conflicts with other endeavors
  

AGENT TESTIMONIALS

How Agent's lives have gone from GOOD TO GREAT! The following individuals have joined the HBW organization. They have applied the HBW system, sold the products and built organizations. Please take a minute and read what they have to say about HBW.

"HBW has been a blessing. With HBW I'm able to continue to do the thing I like to do (recruit) and still maintain a high level of compensation due to no production requirements. Being non-captive gives me the ability to help all clients even if they have been rejected by another carrier. At HBW we can shop for the best policy and help our clients. HBW is one on the greatest business opportunities in America. The Client gets the best deal while the Agent is well compensated. HBW has a WIN WIN and WIN opportunity."

-Raul Martinez Salinas CA / 2005

"I'm so happy I can hardly stand it! After 19 years with another financial services company the Lord gave me the courage to open my mind and look at the HBW opportunity. Now it's a little over 2 years and my life is so different. No Saturday morning training sessions (aka. Adult daycare) no weekly opportunity meetings I can even go out to eat without trying to recruit a waitress. Now I am a real business person people respect that I'm an independent and don't equate my working with HBW as something like Amway. I work normal hours and play golf 2-4 a week. My business is different too. I meet with clients at my office by appointment. I am blessed with great people on our team. We have agents in over 40 states that produce more in 3 months than my old organization did in a year. I am so thankful to be on the HBW team and look forward to seeing what a great company it is going to become."

-Dan Brandfast Knoxville TN / 2005

"I always thought my old company was competitive because they told me they were. What I quickly found out blew me away. With HBW I am saving my clients an average of 40%. I give them better coverage a better term and they are years older. Talk about doing what's right this absolutely amazing."

-Timo Hartigan Pensacola FL / 2005

"I want to take a moment to thank you for creating the HBW Marketing System. I was with another company for 13 years. My best cash flow was $16000 with that firm. In my first full year with HBW my cash flow was $130000. My second year was nearly $200000. Year to date my cash flow is ahead of last year's. The reason for this change is simple! We have the most competitive rates and products. We have superior compensation. I am free to do the right thing for the client every time. I am free to market our products and services using simple effective methods that are common in our industry. I am free to focus on sales and recruiting while HBW concentrates on making the tools I need easily available. I am grateful for everything that HBW has done to make it easy for me to build a successful business."

-Ron Dortch Richmond VA / 2005

"Marie and I have been working in the financial service industry for close to 10 years accumulating experiences in areas of insurance investments and Mortgages. We joined HBW in February 2003 after resigning our exclusive position with a former financial services company where we were earning over 100K yearly. We opted out not because of failure within that limited system but rather to seek for a system where our talent intelligence and knowledge can be better put to use for the benefit of our community and family. Taking advantage of the HBW opportunity we opened our office and training center in Fort Lauderdale. Under our leadership two other independently owned and operated offices were opened in Naples and in Homestead both in Florida. Our Florida base shop was rated #2 among HBW top life insurance producers nationally in 2004."

-Jacques and Marie Augustin Fort Lauderdale FL 2005

"Upon leaving my former company I had absolutely no intention of replacing my existing life insurance policy with them. However after running the numbers I realized that I could bump my coverage up by $125000 and start an entirely new 30 yr. plan for the same exact cost. (I am 5 yrs. older than when my current policy was issued). I realized that "doing what was best for my family" was a no brainer in this situation. What's even more exciting however is the extremely quick manner in which my policy was issued. My application was dated on 4/25 and I met the nurse on the same day. AIG received my application on 5/02; as of 5/10 the policy was issued and in force. I am totally impressed!!

-Kathy Sielaff Lansing MI / 2005

"These testimonials may not be representative of the experience of other clients (agents). These testimonials are no guarantee of future performance or success"

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