What can anybody tell me about HBW? I am not an agent but I have gone thrugh the class and just need to take my state license exam. I've been approached about joining HBW. I like the fact that they represent several different carriers although AIG seems to be the main one. It seems to be a better opportunity then Primerica because the agent is not capitive and the commissions seem to be better starting at 50%. Any and all feed back is appreciated.