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.