Here's How To Get Index Annuity
Brochures
And Income Quotes

You Will Recieve The NAIC Buyers Guide to Indexed Annuities ~ Jeff McLeod
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Hybrid Annuities Are Fixed Index Annuities 

Your state insurance commissioner regulates two annuities, fixed and variable. An Index 'hybrid' annuity is a fixed index annuity.

You'll receive a little known document published by your state insurance commissioners. This state insurance government guide is a regulatory document produced for the benefit of annuity consumers and does not endorse any company.

Complete the double opt-in form above or the long form below to receive immediate access to the insurance departments document. Within a few days I will call to confirm you are a real person. After a 'real person' confirmation, we will email, then mail one, two or three index annuity brochures, income rider brochures and income quotes based on your goals. ~ Jeff McLeod 800-286-1812


Does Research Show Participation rates with no caps can credit higher fixed indexed annuity rates? 

The participation rate decides how much of the increase in the index will be used to calculate index-linked interest. For example, if the calculated change in the index is 10% and the indexed annuity participation rate is 70%, the index-linked interest rate for your fixed index annuity will be 7% (10% x 70% = 7%). A company may set a different participation rate for newly issued index annuities as often as each day. Therefore, the initial participation rate in your fixed annuity will depend on when it is issued by the company. The company usually guarantees the participation rate for a specific period (from one year to the entire term). When that period is over, the company sets a new participation rate for the next period.
 
Some indexed annuities guarantee that the participation rate will never be set lower than a specified minimum or higher than a specified maximum.

21 Index Annuity Questions

The 21 questions listed in the insurance regulatory buyers guide may help you decide which type of annuity, if any, meets your retirement income planning and financial needs.

You should think about what your goals are for the money you may put into the equity indexed annuity you choose.

-Does the index annuity let me get money when I need it?

-What renewal rate is the company crediting on index annuity contracts of the same type issued last year?
 
-Does the initial rate include a Bonus rate and how much is the index annuity Bonus?
 
These questions put you in control of the sales process, so complete the above form to receive 21 questions to ask when buying an index 'hybrid' annuity.

Is It Possible a Participation Rate with no cap could be a better Rate to Choose?

Call 800-286-1812 or complete the short form above for quotes. Long form below...


 

An index annuity is different from other fixed annuities because of the way it credits interest to your annuity's value. Some fixed annuities only credit interest calculated at a rate set in the contract.

Other fixed annuities also credit interest at rates set from time to time by the insurance company.

Indexed annuities credit interest using a formula based on changes in the index to which the annuity is linked. The formula decides how the additional interest, if any, is calculated and credited. How much additional index interest you get and when you get it depends on the features of your particular indexed annuity.

hybrid annuities We will email one or two fixed indexed annuity brochures and income rider quotes, after we confirm you are a "real Person" and not an agent or broker.