Your independent Partner in Retirement
HiWire Financial is an independent annuity agency focused on matching financial goals with the right solution. As an Independent agency we are not owned by and do not contract exclusively with one insurance company, allowing us to quote from a wide array of carriers and products.
Why families choose HiWire Financial
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Experience You Can
Count On
With over 1,000 families educated about the annuity process, our track record speaks for itself. But what matters most is the confidence we've delivered to families just like yours.
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Certified Expertise
Every HiWire representative is a Certified Annuity Specialist through the Institute of Business & Finance. We don't just meet industry standards, we exceed them. Our licensed professionals receive ongoing training to ensure you get advice that's current, reliable and delivered in a way everyone can understand.
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Your Interests First
Our success is built on helping families achieve their version of retirement security. When searching for peace of mind, we help inform you on what annuity solution will best support your goal. We’re also transparent when a particular product isn’t the best fit for that goal. Building trust through honest guidance is how we've helped families find their path to financial confidence and how we have kept our extremely high customer satisfaction ratings.
Education before decision
We believe informed clients make the best decisions. That's why every conversation meets you where you need to feel confident. We'll explain how annuities work, what options fit your goals, and most importantly, what doesn't. You'll never feel rushed or pressured
Speak with a real person, within 1 business day.
We translate insurance company jargon into language that makes sense.
We work exclusively with insurance companies rated B+ or higher.
Our relationship doesn't end when you sign papers.
Is HiWire Financial a legitimate, licensed insurance agency?
Yes. HiWire Financial, LLC is licensed, regulated and accountable as an insurance producer entity in 28 states and D.C. Furthermore, each specialist who advises you holds an individual license of their own. These are public record, held by state insurance departments. All HiWire Financial's annuity specialists hold active licenses in the states they issue in and you can verify this by looking up their NPN license number on your states insurance department website.
Who will I actually talk to?
HiWire Financial has licensed producers across the U.S, but here are a few of the specialists you may encounter along the way. Click into their profiles to learn more about who you could work with.
How does HiWire get paid?
HiWire Financial is paid by the insurance company that issues the contract, and that payment does not reduce the amount you pay into the annuity.
Does the commission come out of the money I put in?
Insurance companies usually pay the annuity salesperson after the sale, and the payment doesn't reduce the amount you pay into the annuity. The premium you pay goes into the contract in full, and the carrier pays the producer separately.
Is there a fee to talk to a HiWire specialist?
A conversation with a HiWire specialist carries no fee, and neither does anything that follows from it short of placing a contract. That covers calls, the quotes a specialist pulls across carriers, the comparison of those quotes, and a review of a contract you already own and did not buy through HiWire. If you go through all of it and decide to do nothing, you owe nothing.
Does HiWire hold my money?
HiWire does not take custody of client funds. Money moves from you to the insurance company that issues the contract, and the contract is between you and that company.
Does HiWire sell my information?
HiWire does not sell your data. When you request a quote from our site, you will only ever be contacted by HiWire Financial and their annuity specialists. Our expertise is in selling annuities, not leads, so you can count on the fact that your information stays with us. We will have to share your information with the annuity carrier in order to obtain quotes and contracts.
What happens if an annuity is not the right answer for me?
Sometimes an annuity is not the right answer, and our specialist can discuss this with you if they see a poor fit between your goals and our products. The three situations we see the most that prevent a good fit are: the money is likely to be needed sooner than the contract allows; the money is your accessible reserve; or you are looking for full market exposure. Annuities are designed for specific goals, often income stability rather than aggressive growth.
What happens if I change my mind after buying?
In many states the law gives a set number of days, usually 10 to 30, to change your mind about buying an annuity after you receive it, often called a "Free Look" period. The length varies by state but will be included on your contract. The Free Look period is one of the strongest forms of consumer protection and a valuable piece to understand.
After that period, a surrender or withdrawal charge usually applies if money is taken out before a set time period ends, and the percentage usually goes down each year until the surrender charge period ends. Withdrawals are generally subject to ordinary income tax and a 10% federal penalty if taken before age 59 1/2.
Some limitations apply so speak with your annuity specialist to learn more.
Which insurance companies does HiWire work with?
HiWire is an independent agency that is appointed with 44+ insurance carriers and places contracts with following carriers(sorted alphabetically):
- Allianz
- American Equity
- American Life
- American National
- Americo
- Ameritas
- Aspida
- Assurity
- Athene
- AuguStar Financial
- Axonic
- Banner Life
- CL Life
- Clearspring
- Columbus Life
- Corebridge Financial
- Delaware Life
- EquiTrust
- Farmers Life Insurance Company
- Fidelity & Guaranty Life
- Foresters Financial
- Gerber Life
- Global Atlantic
- Homesteaders Life Co
- Integrity
- Investors Heritage
- John Hancock
- Ladder
- Lafayette Life
- Liberty Banker's Life
- Lincoln Financial
- Mass Mutual
- MassMutual Ascend
- Mountain Life
- Mutual of Omaha Insurance
- Nassau
- National Guardian Life
- National Life Group
- Nationwide
- North American
- Oceanview
- OneAmerica Financial Partners
- Oxford Life Insurance
- Pacific Life
- Principal Financial
- Prosperity Life Insurance Group
- Protective Life
- Prudential
- Reliance Standard Life Insurance
- Revol One
- Royal Neighbors
- Sagicor Life
- Securian Financial
- Security Mutual Insurance Company of New York
- Symetra
- Talcott Financial Group
- The Standard
- TransAmerica
- William Penn
What should I ask before buying an annuity through anyone?
Nine questions worth asking before you sign anything, regardless if you are buying from us or not. They are the ones that surface the terms people most often find out about later.
- What type of annuity is this, in plain terms?
- What is my free-look period, and what is the exact date it ends?
- What is the surrender schedule, year by year, in writing?
- Is there a penalty-free withdrawal amount each year, and how much?
- What other annuity types did you consider for me, and why did you rule them out?
- What is the insurance company's financial strength rating, and who issued it?
- What happens to this money if I die during the surrender period?
- Is the rate fixed for the full term, or can it change? If it can change, who decides, and how often?
- What is the worst realistic outcome for me if I need this money earlier than planned?
This material is for informational purposes only and is not a recommendation, solicitation, or offer to buy or sell any annuity or insurance product. Annuities are long-term contracts issued by insurance companies; guarantees are subject to the claims-paying ability of the issuing carrier. Annuities are not bank deposits, are not FDIC or NCUA insured, and are not guaranteed by any bank or government agency. Surrender charges, fees, and tax penalties may apply to early withdrawals. Product features and availability vary by state and by carrier. Please consult a licensed professional regarding your specific situation.
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