Brandfast & Associates, Inc. (BAI) functions as a National Director of Agencies within the HBW Insurance & Financial Services, Inc. system (HBW). Beginning in February, 2003 BAI has rapidly become one of the most dominant hierarchies in HBW with agents contracted in almost every state, even Alaska and continues to be one of the top organizations in the company today.

Dan is one of the co-authors of the book, “Helping Build Wealth”“Seven Questions, and a few answers everyone should know”.He is also the originator of the newly implemented program for unlicensed people to join and make money in the HBW system.Dan is an innovator and leader you can trust.The awards and recognition given to Dan are too numerous to mention here.

Why should you consider joining our team? One reason is we have a track record in direct sales and sales management going all the way back to 1972.But mainly because you want to win and you want to be a part of an elite team.We don’t believe that we can motivate a loser into a winner, but we do believe that if you are a winner or have a winner inside of you we can help you to reach your full potential.

By joining with BAI you will have access to the Full HBW Product Portfolio which includes:

• The HBW Income Advantage Term Product which is exclusive to only HBW agents.
• The HBW Mortgage Program with our exclusive TurboLoan feature.
• The HBW Debt Program which is also exclusive to only HBW agents.
  We have a large line of direct access insurance carriers plus many others through our brokerage division.
• The HBW Securities LLC our own exclusive Broker/Dealer.
• The HBW Advisory Services LLC our own exclusive Registered Investment Advisor Company.
• The HBW Fixed/Indexed Annuity Division with access to most of the top companies in the industry like:
  

• Allianz Life Insurance Co. of North America
• American General Life Insurance Co.
  
• American Equity Investment Life Insurance Co.
  
• American Investors Life (an Aviva Co.)
  
• AmerUs (an Aviva Co.)
  
• Great American Life Insurance Co.
  
• Old Mutual Financial Life Insurance Co. (formerly Fidelity & Guaranty)
• Lafayette Life Insurance Group
  
• Lincoln Financial Group (formerly Jefferson Pilot Financial)
  
• National Western Life Insurance Co.
  
• North American Company for Life and Health Insurance
  
• RBC Insurance (Formerly BMA)

• The HBW Long Term Care division with more than 5 carriers.
• The HBW Disability Insurance division with more than 5 carriers.
• The BAI 21^st Century Lead System used by some of the most successful agents in HBW.
• The HBW Seminar System for building base shops and developing new prospects.

HBW is not captive but tries to be captivating by providing the carriers, compensation and systems that eliminate the need for an agent to look for more, but if you do go right ahead.

There is nothing that you can compare HBW to because it is a one of a kind hybrid business system.There have been many companies try to build an organization like this over the past 30 years and most have failed.Today there are less than 5 companies that I know of that have been in business for more than 15 years with the same owners, the same purpose and goals, HBW is the only one of those companies that is national in scope and offers the variety of products that we have.

Contact me for a confidential interview and free information and literature.I will tell you personally why joining HBW and BAI is the right choice for you.