Best Hybrid Income Annuities

Our Recommendations,

The three fixed index annuity options with or without income riders listed below are our annuity planning recommendations for the reasons listed.

Hybrid income annuities are in essence simply a fixed index annuity with an income rider they combine many popular features from several different types of annuities to earn the label of a Hybrid.

To get your state specific annuity recommendations or brochures please feel free to call or email your request to us and also ask for more in depth explanations if you would like.

Unfortunately regulatory compliance does not allow us to give specific company or individual annuity recommendations since each state offers differing annuities under the same name.

Please call or email us for a state specific annuity recommendation based on option One, Two or Three below then request state specific company brochures for all the details. Thank You

Immediate Income Inflation Hedging Option One

This annuity strategy involves the best annuity that will allow for immediate income this is a Fixed Index Annuity with an income rider that has the unique ability to create an increasing income to hedge against inflation. Income is **guaranteed for life when the income rider is activated.

Do not confuse this with an Immediate Annuity where you give up control of your principal. With this strategy you remain in majority control of the account value. This strategy gives for life with access to principal if needed and heirs receive the full account value in the event of  an untimely death.

This strategy can be illustrated based on your unique circumstances and the amount you are considering for this allocation.

Deferred Income Laddered for Inflation Option Two

This strategy creates a large **guaranteed future income with contractual **guarantees this again uses a Fixed Index Annuity with an income rider that has the unique ability to create a level or increasing income **guaranteed for life when the income rider is activated after a time of deferral.

This strategy can be illustrated based on your unique circumstances and the amount you are considering for this allocation.

.

Safety with Asset Growth Option Three

Spending the Cash or Leaving an Inheritance

This strategy exhibits excellent growth in deferral. This Fixed Index Annuity may or may not be paired with an optional income rider depending upon the company. Some annuities in this category offer a **guaranteed asset growth as a death benefit or even a Long Term Care Benefit.

This strategy can be illustrated based on your unique circumstances and the amount you are considering for this allocation.

.

Determining the best hybrid fixed income annuity based solely on the above information is impossible to do in a general sense. Each individual that funds a hybrid fixed income annuity has unique factors and objectives. Our attempt to identify the three best hybrid fixed income annuities and strategies is based on our opinion. This is to be used for general conceptual and educational purposes only. Do not substitute this information in lieu of receiving professional retirement planning advice from qualified experts for your unique and individual situation.
 
 
 

  ^** Guarantees, including optional benefits, are backed by the claims-paying ability of the issuer, and may contain limitations, including surrender charges, which may affect policy values. Annuities are not FDIC insured and it is possible to lose money.
They are insurance products that require a premium to be paid for purchase.
Annuities do not accept or receive deposits and are not to be confused with bank issued financial instruments.
During all video segments, Dick and Eric are referring to Fixed Annuities unless otherwise specified.

  ^*Retirement Planning and annuity purchase assistance may be provided by Eric Judy or by referral to a recommended, experienced, Fiduciary Investment Advisor in helping our website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this website. He still maintains his insurance license in good standing and assists his current clients.
Our vetted and recommended Fiduciary Financial Planners are required to be properly licensed in assisting clients with their annuity and retirement planning needs. (Due diligence as a client is still always necessary when working with any advisor to check their current standing.)

Site Terms & Disclosure

1. All tools, videos or information visible on this website's pages, television, or other media are for educational and conceptual purposes only.
2. Tools, videos or information are not to be considered investment advice, insurance recommendations, tax or legal advice.
3. It is recommended that site visitors should work with licensed professionals for individualized advice before making any important or final financial decisions on what is best for his or her situation.
4. Website comments are not considered investor testimonials those shown only relate to an insurance agent referral service, customer service, or satisfaction with the purchase of insurance products and are never based on any investment or securities advice or investment or securities performance.
5. Please be aware that your feedback and compliments may be shared with our visitors or those that may be interested in our services we will never give out your full name or full address or phone number without your permission. By sending us your feedback & comments you agree to allow us full use in sharing your comments with others in public forums. Thank you for sharing.
6. Media logos are not any type of endorsement, they only imply that one or more of the Annuity Guys have written for, been quoted by, or appeared on the listed news outlet, broadcast or cable channels, or branded programs for non-advertising and/or advertising purposes, to offer educational and conceptual information about retirement issues.
7. Income is guaranteed by annuitization or income riders that may have additional costs or fees.
8. http://www.annuityguys.net & http://www.annuityguys.com forward to https://annuityguys.org. - Further all disclosures and information are to be considered as one and the same for any and all URL forwards, and these same disclosures and information also apply to all YouTube videos featuring Dick & Eric where ever they are viewed.
9. MarketFree™ Annuity Definition: Any fixed annuity or portfolio of fixed annuities that protects principal / premium and growth by remaining market risk free.
10. Market Free™ (annuities, retirements and portfolios) refer to the use of fixed insurance products with minimum guarantees that have no market risk to principal and are not investments in securities.
11. Market Gains are a calculation used to determine interest earned as a result of an increasing market related index limited by various factors in the contract. These can vary with each annuity and issuing insurance company.
12. Premium is the correct term for money placed into annuities principal is used as a universal term that describes the cash value of any asset.
13. Interest Earned is the correct term to describe Market Free™ Annuity Growth; Market Gains, Returns, Growth and other generally used terms only refer to actual Interest Earned
14. Market Free™ Annuities are fixed insurance products and only require an insurance license in order to sell these products; they are not securities investments and do not require a securities license.
15. No Loss only pertains to market downturns and not if losses are incurred due to early withdrawal penalties or other fees for additional insurance benefits.
16. Annuities typically have surrender periods where early or excessive withdrawals may result in a surrender cost.
17. Market Free™ Annuities may or may not have a bonus. Some bonus products have fees or lower interest crediting and when surrendered early the bonus or part of the bonus may be forfeited as part of the surrender process which is determined by each contract.
18. MarketFree™ Annuities are not FDIC Insured and are not guaranteed by any Government Agency.
19. Annuities are not Federal Deposit Insurance Corporation (FDIC) insured and their guarantees are based on the claims paying ability of the issuing insurance company.
20. State Insurance Guarantee Associations (SIGA) vary in coverage with each state and are not to be confused with FDIC which has the backing of the federal government.
21. This website is not affiliated with or endorsed by the Social Security Administration.
22. *"Best” refers only to the opinion of Dick, this site's author; or the opinion of Dick & Eric in videos and is not considered best for all individuals.
23. *"APO” refers only to the Annual Pay-Out of annuities in the guaranteed lifetime income phase. *APO is NOT an annual yield or an annual rate of interest.
24. AnnuityRateWatch.com, is only a linked to subscription service, which is not affiliated with this site, it supplies and updates all Annuity Rates, Features Ratings, Fees and Riders. AnnuityRateWatch.com's information is available in the public domain and accuracy is not verified or guaranteed since this type of information is always subject to change.
25. Dick helps site visitors when help is requested. Dick may receive a referral fee as compensation from an advisor for a prospective client referral. This helps compensate Dick for time spent assisting site visitors and maintaining this educational website.
26. Eric Judy is both insurance licensed and securities licensed. Eric offers securities as an investment adviser representative through Client One Securities, LLC.
27. Eric purchases prospective client referrals from Annuity Guys Ltd. and may be compensated by commission for helping prospective clients purchase. Eric may also recommend these prospective clients to an advisor and earn a referral fee or a referral commission split.
28. Vetted advisors refers to advisors that are insurance licensed and recommended based on referral experience from satisfied clients.
29. Any recommendation of an advisor is only one aspect of any due diligence process. Each site visitor must accept full individual responsibility for choosing a licensed insurance agent/advisor.
30. In the event that a recommended licensed advisor/agent is not considered satisfactory, Eric will make reasonable efforts to recommend other advisors one at a time in an attempt to satisfy a site visitors planning or purchasing needs.
31. Dick is the website author and editor, Annuity Guys Ltd. is the website owner; Eric is a guest video commentator. Videos gathered from other public domain sources may also be used for educational and conceptual purposes.
32. There is NO COST to site visitors when they are given an advisor referral or recommendation.
33. By giving the us your contact information such as email, phone number, address and etc. you are giving your permission to be contacted or sent additional relevant information about annuities, retirement and related financial information. We have a NO SPAM policy.
34. Accuracy of website information is strived for but is not guaranteed.
35. Freedom from virus or malware is strived for but is not guaranteed. Website visitors accept any and all risk associated with damage to any computer for any reason when using this website and hold this website harmless from any liability.
36. Use this website like the vast majority of websites at your own risk. No risk or liability of any type are accepted by any business entity or any of the information providers for this website.