Lewis Gloss, ChFEBC℠



Fixed & Fixed-Indexed Annuities

The closer you get to retirement, the more important it becomes to protect your retirement nest egg.  Fixed annuities provide that critical safety net for your principal while still providing liquidity.  Fixed-Indexed annuities provide the same principal guarantees of a traditional fixed annuity while providing an opportunity for greater growth.

So whether you are seeking a combination of safety and growth for your hard-earned dollars, desire some flexibility and/or liquidity, want a simple guaranteed rate of return or need a guaranteed income stream you can never outlive, we have multiple carrier and product solutions to fit your needs.

  • Single Premium Immediate "Income" Annuities
  • Single and Flexible Premium Deferred Annuities
  • Fixed Rate Guarantees
  • Fixed-Indexed Annuities
  • Multi-Year Guarantees
  • Bonus Products
  • Joint and Survivor Annuities

Contact me today to learn more about Fixed and Fixed-Indexed Annuities options.


"Please note the application of surrender charges could result in a loss of principal, the minimum guaranteed return may be 0% and investment return based on market increases may be capped. The guaranteed account value of a fixed-indexed annuity only applies if the annuity is held until the end of the contract term and that loss of principal is possible if the annuity is surrendered before the end of the contract term. Fixed-indexed annuities are not FDIC-insured, unlike index-linked CDs. Guarantees are subject to the claims paying ability of the issuer. A fixed annuity is only as good as the financial strength of the company issuing the policy."

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Contact Information

Lewis Gloss, ChFEBC℠

Company: HBW Advisory

Phone: 248-282-8130

Email: Lewis.Gloss@HBWAdvisory.com

Street Address:
3536 Sunnydale Rd.
Bloomfield Village, MI 48301-4306

License State: MI

License Number: 0262312

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Federal Seminars and ChFEBCSM, Inc. owns the symbol marks ChFEBCSM, Chartered Federal Employee Benefits ConsultantSM and ChFEBCSM, logo. in the U.S., which it awards to individuals who successfully complete Federal Seminars and ChFEBCSM, Inc initial and ongoing certification requirements.

Investment advisory services offered through HBW Advisory Services LLC. Lewis Gloss, ChFEBC℠ is an Investment Advisor Representative, dba, HBW Advisory. HBW Advisory, HBW Insurance & Financial Services, Inc., dba, HBW Partners, and HBW Advisory Services LLC are separate entities which do not offer legal or tax advice. HBW entities are located at 3355 Cochran St., Suite 100, Simi Valley, CA 93063, (800) 473-3856.

All products are not represented by HBW. All HBW agents do not sell all products offered through the HBW Insurance & Financial Services, Inc., dba HBW Partners network of products and/or providers. Although Lewis Gloss, ChFEBC℠, dba HBW Advisory, is a part of the HBW Insurance & Financial Services, Inc. marketing system, Lewis Gloss, ChFEBC℠ is separate and independent.

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