Compare the HBW opportunity to other Agency Building opportunities in our industry! Multiple carriers for different client needs.  We understand that one size does not "Fit All". Totally Non-Captive. No Full-Time Requirements at any level. Commissions and Overrides Paid directly from main carriers. No Recruiting Requirements for Promotion. Promotions based on production only. No Replacement. You keep your entire organization upon promotion. No production requirements to maintain attained levels. Among the most Competitive Products in the industry. Free financial analysis software. Free Access to main carriers, and pending business via toll-free numbers and the Internet. Complete Substandard Division for Impaired Risk clients. Advanced Training and Products for Upscale and wealthy clients.     Although the Hughes Financial Group, LLC is a part of the HBW Insurance & Financial Services, Inc. marketing system, it is a separate and independent agency.