2013 ANNUITY RATES & RATINGS

4.7% to 12.9% ANNUAL PAYOUT -- OR

PRE-ISSUED ANNUITIES ™ 4% to 8% APY

 Hybrid Annuities or a Hybrid Income Annuity:

Learn Hard Facts the Pros and Cons…

Considering a Hybrid Annuity? Learn the facts first. Hybrid Annuities for retirees have surged in popularity. Demand since the Great Recession has grown faster than all other annuity types. Appeal is to safety, income, and growth.

Hybrid annuity refers to a combination of several unique aspects of various annuities that have been combined to create a new type of annuity. What is being referred to as a Hybrid annuity is actually in most cases a Fixed Index Annuity with one of the newer more innovative income riders. Many times these annuities are only partially explained leaving the prospective client either believing that it is too good to be true or expecting more than what’s realistic from this popular retirement financial solution.

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Hybrid Income Annuity Advantages:

• Five to seven percent growth of an income base account for future income.
• The limited ability to have increasing income as an inflation hedge
• Upside market potential using popular indices such as the S&P 500 or the Dow Jones IA
• No actual market investment and no downside market risk
• Pension styled income that cannot be outlived
• Majority control of assets for unexpected expenses
• The ability for heirs to receive the full account value of what has not been withdrawn.

This Case Study Video looks at an income need starting in ten years. A must see Hybrid example.

Tim was concerned about Laura having enough income if he predeceased her. This educational video shows the inside story on how Tim and Laura solved their dilemma by using the best Hybrid Annuity Income Plan designed specifically for them.

Hybrid Annuity Disadvantages & Misconceptions:

• The five to seven percent growth guarantee is not on the cash.
• Most do not have increasing income as an inflation hedge this is only on specific more unique Hybrid Annuities
• Upside market potential using popular indices such as the S&P 500 or the Dow Jones IA. Gains are limited considerably.
• Fees are charged for income riders costing typically less than one percent
• Surrender charges amount to around ten percent for excessive withdrawals in early years
• Heirs may pay ordinary income tax rates depending on how the Hybrid annuity is structured.

This next Case Study Video looks at income starting next year. Another must see Hybrid example.

Cindy wanted to retire next year but did not want to risk retiring too early and running out of money. This educational video explains how Cindy and Bill used an Inflation Hedged Hybrid Income Annuity.

What special engineering is involved in creating a Hybrid Annuity?

Intrigued? Hybrid annuities can be a valuable piece of your retirement plan. However, there is not just one hybrid annuity there are literally dozens of hybrids available on the market today. So if you are looking for this kind of annuity make sure you work with an independent broker or advisor who will work to make sure you select the right annuity for you!

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Still confused? Let Dick, one of the Annuity Guys, help break down the basics of fixed index and hybrid annuities for you in a seven minute video located in the premium section of the web site.

Hybrid Income Annuities & Hybrid Income Annuity Riders: Read More…

Are Hybrid Annuities too Complicated? Read More…

Learn the Truth About Hybrid Annuities: Read More…

Question: How many baby boomers will retire over the next 10 to 15 years?

Answer: 78,000,000. Yes. Seventy Eight Million retiring with not one dime on reserve in our Social Security System. We’re at least a day late and a dollar short. It’s too bad FDR didn’t use our social security tax to fund annuities; then we would not be in this mess today!

Your Retirement Deserves a Second Opinion!