Hybrid Index Annuity

However you might be able to achieve all of your goals more effectively with a combination of annuities typically a combination of immediate fixed and specific variations of fixed index annuities.

Hybrid index annuity. Generally speaking most annuities that are referred to as hybrid annuities will combine the benefits of a fixed index annuity potential for gain without risk of loss with an immediate or deferred lifetime income payout rider. Youll receive a little known document published by your state insurance commissioners. Hybrid annuities are one way of achieving lifetime income.

Created to give investors a hybrid of the risk and return of fixed and variable they provide investors with the opportunity to invest in a stock index without the full risk. The contract will state the minimum amount you can expect to receive at the end of the surrender period. Hybrid Annuity Myth - Hybrids Are Fixed Index Annuities.

Designed for investors willing to accept limited risk of principal loss. Use this calculator to see how a variable annuity or hybrid index annuity might fit into your retirement plan. Principle Guarantee- As with an Index Annuity your initial investment has no risk of loss and may even be guaranteed to grow at a minimum rate.

Index hybrid annuity is a fixed index annuity. This state insurance government guide is a regulatory document produced for the benefit of annuity consumers and does not endorse any company. Variable annuities are different than fixed annuities where the insurance company assumes all investment risk.

The value of the index might be tied to a stock or other equity index. Often cloaked in marketing terms like hybrid index annuities or Next Gen Annuities these are typically index annuity contracts bundled with income riders and other add on benefits. Equity Indexed Annuities EIAs.

Indexed annuities are the least well known type of annuity. A relatively recent form of hybrid fixed annuity commonly referred to as an Index Annuity has obtained substantial popularity. A index annuity is a fixed index annuity that earns interest or provides benefits that are linked to an external equity reference or an equity index.