The Hybrid Annuity

The Hybrid is a fixed index annuity with a lifetime income option. 

If you’re looking for something that offers you an opportunity to save for retirement, as well as provides you guaranteed income for life, a hybrid annuity may be your answer. A hybrid annuity does more than just that, though. The hybrid annuity was created because people wanted an option to have guaranteed lifetime income, while still maintaining control of their money. They also wanted a product that would provide income in the future, with the option to access it sooner in case of an emergency.
The hybrid annuity, like the fixed index annuity, allows your funds to be linked to the stock market indexes (like the S&P 500).  This, in turn, gives you potential for upside growth with no downside market risk.
The funds inside your hybrid annuity can grow tax-deferred, meaning that your money will not be taxed until it is withdrawn. Perhaps one of the most attractive features of the hybrid annuity is the fact that you remain in complete control of your money. On top of that, you won’t ever lose your principal, bonus, or any prior interest credits due to poor market performance. However, you do have the potiential to have your income INCREASE .


5 Big Benefits

  • Guaranteed income for life
  • Safety of Principal
  • Solves for Longevity risk (Outliving your money)
  • Potential for growth with no market downside
  • You maintain control of your money and money left in the account can be passed on to beneficiaries

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