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
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?
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
-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...
*Brochures and income quotes are sent after a 'get to know each other' phone
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
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