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Quite simply, the product offerings available to members of this agency are incredible. Especially for those like me, who have come from an environment where only one companies' products could be sold.
Rather than be limited to one company, or having to push a specific product, our agents are doing 'needs based' selling, finding the right product for the client at the right price. We put the client first, and we are able to do that because we have so many solutions available to us to help our clients.

These are only some of the continually evolving list of products and solutions we have available to us to help our clients. Call or email me to discuss particulars of carriers and specific products.

As a 'trusted financial professional' to your clients, you will have the ability to offer...

Life Insurance(Term,Whole,Univ) Variable Universal Life*
Fixed and Indexed Annuities Variable Annuities*
Mutual Funds* Disability Insurance
Long Term Care Insurance  

If properly licensed as a registered representative through our broker dealer, HBW Securities LLC

Carriers

We have stopped listing all the carriers and products we have available, because it is so extensive, and always changing. Please call me directly to learn about our extensive list of carriers.
Call me and let's see if we can find the right solution for your clients within the list of carriers and products I have available. I've yet to have an issue with that! You're at the Right Place at The Right Time!

If you are ready to get started in a career with HBW, click here and fill out the form, or call David Harper, directly at 352-989-0606

Securities offered through HBW Securities LLC, Member FINRA/SIPC 3355 Cochran St., Suite 100, Simi Valley, CA 93063. 1(800)473-3856 David Harper, Registered Representative dba Harper Financial Services. Both Harper Financial Services and HBW Insurance & Financial Services, Inc. are separate entities from HBW Securities LLC. Although this agency is a part of the HBW Insurance & Financial Services, Inc. marketing system, it is a separate and independent agency.

wwww.finra.org www.sipc.org
This website, and the information contained herein is intended for agent use only. It is not intended to create public interest in the products or services discussed on the site. Products and services described are not available in all states. Life License required to market Life Insurance & Fixed/Indexed Annuity Products - Securities License Required to Offer Variable Products and Mutual Funds. The opinions expressed are simply the opinions of the author. As always, for complete legal or tax advice,you should always consult your attorney or licensed tax advisor. www.hbwinc.com

Variable annuities are insurance products with investment options that are subject to market risk. These products are long term investments designed for retirement purposes. The product offers tax deferral potential growth; however, withdrawals prior to age 59 ½ may by subject to taxes and penalties. While variable annuities offer a death benefit component and other guarantees, these guarantees are subject to the claims-paying ability of the issuer. Other risks are associated with variable annuities. For example, the value of the variable accounts will fluctuate and, when redeemed, your contract may be worth more or less than the original investment. Please note that death benefits may be subject to penalties and charges. Please consider investment objectives, risks, charges and expenses before investing. For this and other information about any variable annuity and its underlying investments, please call the variable annuity provider to request a prospectus. Please read it carefully before you invest. Please note the application of surrender charges could result in a loss of principal, the minimum guaranteed return may be 0% and investment return based on market increases may be capped. The guaranteed account value of an equity-index annuity only applies if the annuity is held until the end of the contract term and that loss of principal is possible if the annuity is surrendered before the end of the contract term. Equity index annuities are not FDIC-insured, unlike index-linked CDs. Guarantees are subject to the claims paying ability of the issuer. A fixed annuity is only as good as the financial strength of the company issuing the policy. Investments in preferred stocks and bonds involve risks, including the possible loss of principal invested