Cadbury Financial Group gives licensed insurance agents and wealth managers access to an exclusive shelf of Fixed Index Annuity products — including high-bonus programs from top-rated carriers unavailable through most distributors.
Whether you're a captive agent looking to expand your shelf, an independent producer, or a wealth manager seeking guaranteed income solutions — Cadbury Financial Group was built for you.
Access niche FIA products with premium bonuses you can't find through standard IMO channels. Deepen client relationships with high-value accumulation solutions.
Add guaranteed income and principal-protected growth strategies to your client portfolio mix. Our FIA products complement equity-based planning with zero downside risk.
Expand your product mix without changing your practice model. Cadbury provides the carrier relationships, product knowledge, and back-office support so you can focus on clients.
We have direct relationships with three premier annuity carriers — giving partner agents access to products with industry-leading bonus structures and client protections.
An 8% premium bonus applied in the first five years combined with index-linked growth and a zero floor. Designed for clients focused on long-term accumulation with full principal protection.
View Product Details →The highest day-one bonus available on our platform — 31% applied immediately at contract issue. Plus a 3% interest bonus at year 10. S&P 500 intraday and Nasdaq-100 index options.
View Product Details →Three distinct products for unique client needs: Omega Accumulation SM 10 with a 10.75% guaranteed S&P 500 cap, Omega Bonus SM with no-fee bonus up to 23%, and Omega Bonus Plus SM 10 reaching up to 31% with strong long-term guarantees.
View Product Details →We keep it simple. From your first contact to your first closed case, our team handles the carrier contracting so you can focus on your clients.
Fill out our quick partner application. Tell us your license states, your current production, and which product lines interest you most.
We initiate contracting with the carriers that fit your practice. Most agents are contracted and ready to sell within 5–7 business days.
Rick walks you through the product shelf — features, suitability, illustrations, and objection handling — so you can present with full confidence.
Submit your first application. Commissions are paid directly by the carrier on schedule. We're available for case support on every case you write.
Rick founded Cadbury Financial Group to solve a problem he experienced firsthand as a producer: the best annuity products — the ones with real bonus structures and real client protections — were locked behind relationships most agents didn't have access to.
Cadbury was built to change that. Today, the platform connects licensed agents and wealth managers across the country with a curated shelf of Fixed Index Annuity products from carriers like EquiTrust, American Life & Security, and AuguStar — along with the training, contracting support, and case assistance to use them effectively.
Every Wednesday at 10:00 AM EST. See the exclusive FIA shelf most IMOs won't show you — free leads for a year and 100% commission on self-generated cases.
For licensed life & annuity agents. Active license in FL, NJ, PA, or CA required. 30 minutes.
No spam. For licensed insurance professionals only.
Join licensed agents and wealth managers who access Cadbury's exclusive FIA products and carrier relationships. Contracting is fast, support is personal, and the products speak for themselves.