Independent annuity specialists, not tied to any single insurance company.
An independent annuity specialist is appointed with multiple insurance carriers, allowing them to compare products, rates, features, and guarantees across many companies. A captive agent represents a single insurance company and is limited to offering only that company's products. Both are licensed professionals held to the same standards and the difference is choice. At HiWire Financial, we're independent, giving you access to more than 40 insurance carriers so we can help you compare your options and identify a suitable solution.
| Captive agent | Independent specialist (HiWire) | |
| Works with | One insurance company | 40+ insurance carriers |
| Product range | That company's products | 40+ carriers products |
| Licensing | State insurance license | State insurance license |
HiWire is independent. We quote from 40+ carriers and match the options to your goals, and like most annuity sales we are paid by the issuing carrier, at no direct cost to you.
Independent specialists who compare annuities across 40+ carriers to fit your goals.
Certified Annuity Specialist
Certified Annuity Specialist and U.S. Army veteran. Focuses on annuities, retirement income, and legacy planning. Based in Massachusetts, licensed in 28 states.
NPN #20492788
View Nicholas's full profileWe compare annuities across multiple carriers to fit your goals. Reach out for clear guidance, no pressure.
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