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Insurance Brokerage Products

Traditional – Term, Universal, and Whole Life Products

HBG offers insurance brokerage products from 30+ carriers with a variety of Life products to cover an individual’s life span, whether it is temporary or permanent coverage. For children, you can use a Term rider, Whole Life, Universal Life, or an Indexed Universal Life product. Their parents are covered with Term, UL, IUL, and Whole Life – don’t forget about those conversion programs! For your retirees, you can add in Simplified and Final Expense products as options.

HBG even has complex insurance brokerage products for those particularly difficult cases. We can offer Accidental Death products, a Guaranteed Issue product, and we also have a specialty risk carrier for celebrities and dignitaries.

Individual Long Term Care

Long Term Care continues to be a growing concern with clientele, yet a difficult need to address and place. HBG helps you offer true long term care coverage through Mutual of Omaha, Genworth, John Hancock, and Transamerica. We will help you pre-screen your client and provide illustration packages and marketing materials as needed. For those individuals that may be better suited to a combination product, we offer Lincoln’s Money Guard, Genworth TLC, and annuities with LTC riders. Also ask us about Life products with LTC or Accelerated Benefits for your younger clientele!

Individual Disability

You help your clients to plan for their retirement, make sure you help them protect the income to get them there! We use MetLife, Principal, and Assurity as our main carriers for Disability. All three offer good coverage at reasonable pricing, for most occupational classes. For your high net-worth clientele we also offer Guardian and Exceptional Risk DI. Call or email us for quotes!

Annuities

A wide variety of financial products are available to include Fixed Annuities, Fixed Indexed Annuities, Single Premium Immediate Annuities (SPIA),  Deferred Income Annuities, and  Qualified Longevity Annuity Contract (QLAC).  Annuity specialists are available to help you find the right products. 

Advanced Markets

We offer the resources you need for the latest ideas in Business Planning, Estate Planning, Charitable Giving, Retirement Planning, and Premium Finance.  We have a variety of tools and resources to help you find the solution to your most difficult cases.