Annuity Guys®

Annuity Rates, Features & Ratings: America's trusted annuity resource. Compare best options for hybrid, index, fixed, variable & immediate annuity quotes.


Helping You Create Great Results Your Retirement Deserves!



(217)753-1515
  • Home
  • About Us
    • About Us
    • Contact Us
    • Site Terms & Disclosure
    • Privacy Policy
  • FAQs
    • Most Frequently Asked Annuity Questions
  • All Annuity Guys Videos
  • Annuity Types
    • Best Annuity Reviews
    • Market Free™ Annuities
    • Choosing an Annuity
    • Deferred Annuities
    • Hybrid Annuity Choices
      • Hybrid Annuity Pros&Cons
      • Hybrid Income Riders
      • Hybrid Annuity Guarantees & Strategies
    • Fixed Annuity Choices
      • Fixed Annuity Performance
      • Better Fixed Annuities
      • Fixed Deferred Annuities
      • Fixed Rate Annuities
      • Fixed Annuity Alternatives
      • Fixed Annuity Pros & Cons
      • Fixed Annuity Negatives
    • Index Annuity Choices
      • Fixed Index Annuity Features
      • Fixed Index Annuity Performance
      • Better Fixed Index Annuities
      • Fixed Index Annuity Alternatives
      • Fixed Index Annuity Pros & Cons
      • Fixed Index Annuity History
      • Fixed Index Annuity Negatives
    • Immediate Annuities
      • Immediate Variable Annuity
      • Immediate Fixed Annuities
    • Variable Annuities
      • Variable Annuity Features
      • Better Variable Annuities
      • Variable Annuities Disadvantages
      • Variable Annuity Alternatives
      • Variable Annuity Negatives
      • Variable Annuity Performance
    • Pre-Issued Annuities™
      • Hybrid Annuities versus Pre-Issued Annuities ™
    • Annuity Glossary
  • Articles
    • How Do MarketFree™ Annuities Work?
    • Are Annuities Safe?
    • Living Benefits
    • FIA Performance
    • Beware of FIAs?
    • Annuities & Retirement
    • Annuities & Estate Tax
    • Rollovers & Annuities
    • Annuities & Tax
    • Charity & Annuities
    • The Lost Decade
    • Best Annuity Videos
    • Social Security Benefits
  • Calculators
    • Retirement Planning Calculator — Basic
    • Retirement Shortfall Calculator — Basic
    • Immediate Annuity Calculator & Quotes
    • Fixed Index Annuity Calculator & Fixed Annuity Calculator
    • Variable Annuity Calculator & Hybrid Annuity Calculator
  • Blog
    • Annuity Guys® Weekly Annuity Video Blogs
  • Get Annuity Guys Help
    • Request Annuity Guys’ Planning Help Today
You are here: Home / Archives for Annuity Online

Why Hybrid Annuities Are Game Changers

October 12, 2012 By Annuity Guys®

Two recent studies discuss the overwhelming growth of annuities as a sought after financial product. LIMRA cited the significant growth in the number of Baby Boomers now doing their research for information about annuities online. While, Cerulli Associates in a recent survey revealed that annuities have become the most requested financial product that clients ask their advisors about. With all of the mixed press, for and against annuities, these are significant upward trends as those near or in retirement move towards the security of annuities seeking growth and income **guarantees.

These studies failed to point out the impact of hybrid annuities — Dick and Eric discuss Why… hybrid annuities are the real “Game Changers”.

[embedit snippet=”video-specialist-button-hybrid”]

 

**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. During this segment, Dick and Eric are referring to Fixed Annuities unless otherwise specified.

Advisors Say Annuities Are Now Their Most Requested Product

Advisors report that clients request annuities more than any other unsolicited product, according to new research from Cerulli Associates.

Annuities ranked sixth in 2011, but interest in the product has increased over the last year, marked by a 15% increase in the number of times clients request annuities from their advisors, according to the report, Annuities and Insurance 2012: Evaluating Growth Capacity, Flows and Product Trends.

“We’ve seen a tremendous year-over-year increase in the number of times financial advisors receive requests from their clients for annuities,” Donnie Ethier, senior analyst at Cerulli, said in a statement.

Of the advisors surveyed, 60.8% of advisors had clients who requested annuities, just above Roth IRAs, which 58.8% of advisors were asked about. [Read More…]

 

More Consumers Use the Internet to Research Insurance and Annuity Products

Study Finds Agents and Advisors Still Play a Vital Role in the Purchasing Process.

WINDSOR, Conn., Oct. 10, 2012 — Sixty-one percent of consumers who researched individual insurance or annuity products looked online, a significant increase over the 38 percent of consumers who looked online in 2006.

“With two-thirds of Americans conducting searches online, it is not surprising that the number of people seeking information about life insurance and annuity products online has increased more than 60 percent over the past six years,” said Mary Art, research director, LIMRA technology research. “However, despite the popularity of online sources, more consumers (69 percent) sought information from agents, brokers and advisors, who are often viewed as the most valuable and influential information sources.”

The top three reasons consumers sought information online are:

  1. Research companies and product offerings
  2. Seek general product information
  3. Compare prices

This is true across all age-groups and income levels.

The study found that more consumers value information gathered online in 2012 than did in 2006, although it still lags behind insurance professionals. In 2006, only 18 percent of recent researchers considered Internet sources to be their most valuable sources, significantly less than the 25 percent found in 2012. In contrast, 37 percent of consumers rate insurance professionals as most valuable in 2012, eight percentage points lower than those who did in 2006. It is also important to note that one in six (16 percent) consumers cite workplace sources as most valuable.

“Companies need to understand that one size does not fit all when it comes to educating consumers about products and services,” noted Art. “Using a multi-channel approach will reach a broader audience in the ways they want to collect information and will most likely lead to more sales.” [Read More…]

Annuity Guys Video Transcript:

Eric: Today, we’re going to talk about why hybrid annuities are game-changers in today’s environment.

Dick: They have changed the annuity world.

Eric: That’s right. It’s not just playoff time in the baseball season. It’s the game-changing time here in the annuity world.

Dick: That’s right.

Eric: There’s a couple things that have come up in the news recently, for some reports that have talked about annuities in general, so we should probably start there, in the fact amongst advisors the Number 1 question they’re getting asked now is about annuities. They want to know what’s . . . it’s the most-requested product out there.

Dick: Right. that’s moved up from a year ago, Eric, where it was asked, it was the Number 6 question on the list and now it’s moved up to the Number 1 question. What do you suppose is driving that?

Eric: Our website, probably. Obviously if you’re watching, this you’ve been driven to inquire about annuities.

Dick: You know what, that brings up our other article, which we’ll tie them all together here, is that the consumer now, about 60% of the consumers are going online, investors are looking at annuities and trying to decide how that fits into their portfolio, and they’re relying on the internet for that.

Eric: Right. There’s a lot of numbers we can throw out here: 10,000 people a day are turning age 65. People are retiring, that’s an obvious number. More and more people are retiring, so what do you want? You want safety, security, income.

Dick: Right. You want to get money over to heirs; you want to do it the most efficient way.

Eric: People are concerned. When you look at the problems that Social Security, Medicare, all these government programs are having, they’re looking to other avenues for safety and security. What better than annuity? That’s really what we talk about, with the foundational aspects of annuities being safety, security, and income.

Dick: When you look at this number, you threw a statistic out there, 10,000 a day. Folks, that equates to 78 million Baby-Boomers over the next 15 years. Baby-Boomers are some of the folks that are most comfortable with the internet. The first ones in, not so much. Now as we see this trend begin to change where folks rely on that online information to make their decisions.

Eric: That’s right. They’re turning more and more online to get a little bit of information, and they’re curious about annuities. These two articles didn’t surprise us because, surprisingly or not so surprisingly . . .

Dick: We got our beak both worlds.

Eric: . . . we tend to talk to quite a few people about annuities . . .

Dick: We’ve seen that volume go up, and up, and up.

Eric: That’s right. We can personally say from our own website that started with just our little Central Illinois focus, we now have a national focus.

Dick: It’s just mushroomed out, exactly. Yet there’s really a larger percentage still, about 69% of individuals also want to get their information from someone on a local basis. It’s a mixture of the two that work so well. I think that’s where we come in, Eric, in trying to do both. We run our local practice, so we meet with our clients. We have this national website, which is, folks, it’s loaded with information that you can do your research. Then we’ll actually take that next step and help you get involved with a local advisor.

Eric: All right. Now we’ve said all these things, now what the heck does that have to do with hybrid annuities being game-changers? I can tell you when I talk to people, and I can tell you, out of 100% of the people I’ve talked to today, almost every single one asked me about hybrid annuities and what the potential was for either inflation hedging or deferral. We know that the hybrid annuity has really become a game-changers.

Dick: What will maybe, like you say, a 100% today, and at least 10 to 1, 5 to 1, 10 to 1, when folks call in, they may have an interest in an immediate annuity or a variable annuity#, but it always tends to come back around to the hybrid annuity, which really is the fixed indexed annuity with some of these new income riders. Folks will ask us about that and kind of want us to explain it.

Eric: Really, we always talk about . . . I talk to people about working backwards from your goals to figuring out, one is an annuity a right vehicle, and then how do we meet those goals? A lot of times, we’ll end up looking at those income riders to meet those goals, because I like **guarantees. That’s what those income riders and those . . .

Dick: Contractual **guarantees. If we can live with the **guarantees, anything else is icing on the cake.

Eric: Icing. I like icing. What are the **guarantees that are possible with a hybrid annuity? You have income **guarantees; income for life without giving up your lump sum.

Dick: Right. It’s predictable income that can grow over a period of time.

Eric: You have some annuities in the hybrid world that those income riders can actually produce an increasing income **guarantee, which is unique and innovative. Then the deferral aspect of those income riders; right now, everybody knows interest rates are . . .

Dick: Down.

Eric: Boo. These unique components the insurance companies are offering on these income riders is as **guaranteed growth rollup for money that can be used for future income.

Dick: Right, while it’s in deferral. That way you have this predictable future income; there’s no surprises. The only surprise could be something that would be better than the minimum. Not likely though with today’s cap rates.

Eric: Right. It’s neat when we find something that’s innovative, that we think is going to outperform, but most of the time, we’re not trying to beat the insurance company. You want the insurance company to be in business as long as you’re going to need . We’re looking for, basically, something that provides both you and the company a **guarantee. They’re going to be both in business.

Dick: The way that the hybrid annuities really have changed the game is a lot of folks, as we would say, your parents’ annuity was an immediate annuity. That immediate annuity carried the stigma of, “I have to give the insurance company all of this money, and if I die, they get to keep it?” That didn’t go over well, as you can imagine.

Eric: It helped them build a lot of big buildings.

Dick: Yet the hybrid annuity comes along and says, “We’re going to work it out so that you can have a the rest of your life, and you can also have your lump sum. If you haven’t used it all, it can just pass on to your heirs.”

Eric: Right. If you don’t’ use it all, we’ll actually give you it back. Whatever you haven’t used, you get it back. Very unique, very innovative, taking the best of the variable world that was very indicative. Now we’ve seen, from a performance standpoint, what’s being offered in what we see people purchasing more often now. We had an article or a blog we did, it’s been about a month ago, the enhanced numbers, what you see the most growth in the annuity world.

Dick: That was the LIMRA Report. Folks you can go back, 3 or 4 blog posts back.

Eric: We’ll put a link out there.

Dick: Another link we’ll put in there. The only area there’s been growth.

Eric: Yeah, it grew, what, 10%?

Dick: Yes. Year-over-year, or [inaudible: 07:27].

Eric: Versus some of the other types of annuities that are actually . . . they’re still being sold, but there just not the growth there.

Dick: Right. Yeah, folks, the hybrid annuities have really had explosive growth and there’s a reason for that. People are cautious and careful about what they do. We live in an information age where folks can go online; they can find the truth out about things. You can fool a few people part of the time, but you can’t fool everybody all of the time. These are legitimate, suitable products if they’re used the right way, and many people are very, very pleased with them.

Eric: That’s right. If you’re looking for safety, security, but yet, not willing to give it all up, consider a hybrid annuity. It’s a game-changer.

Dick: It is a game-changer.

Eric: Thanks for watching today.

Dick: Thank you. Bye now.

 

Filed Under: Annuity Commentary, Annuity Guys Video, Hybrid Annuities Tagged With: annuities, Annuity, Annuity Online, Annuity Products, Game Changers, Hybrid Annuities, Hybrid Annuity, Insurance, retirement

 

Empowering Annuity Reference Book

 
DOWN-LOAD NOW - FREE!
  • Annuity Guys Reference Book - 250 pages of Annuity Facts

  • "The New Retirement"
    Annuity Reference Book 
    Free Instant Download
  • Confidential - Easy Opt Out
  • This field is for validation purposes and should be left unchanged.

 

  • Market Volatility is Back! Are MarketFree™ Annuities an Answer?

    Market Volatility is Back! Are MarketFree™ Annuities an Answer?

    Timing is everything. Unfortunately, 99 percent people who say they are only in the stock market when it is going up …Read More »
  • Can Annuities Help Retirees Transition from Saving to Spending?

    Can Annuities Help Retirees Transition from Saving to Spending?

    Mom used to talk about knowing the difference between “a want” and “a need” when I was younger. As my …Read More »
  • Should You Buy Annuities in our Trump Influenced Bull Market?

    Should You Buy Annuities in our Trump Influenced Bull Market?

    What would Trump do? Do you think he might be the type to buy low & sell high? This sounds …Read More »

Revealing Fun Video: Fiduciary Advisors Vs. Annuity Salesmen
MUST KNOW FACTS 90% of
ANNUITY ADVISORS AVOID TELLING!
  • *FIDUCIARY RETIREMENT REVIEWS
    Second Opinions Improve Retirements
     
    "For Your Retirement's Success"
     Choose a *Fiduciary Advisor who gives you Full Disclosure of Cost & Selection.
     
    Material Fact 1:
      About 90% of advisors ARE NOT REQUIRED by law to do what is best for their clients!
     
    Material Fact 2:
     Fiduciary Advisors ARE REQUIRED by law to do what's best for their clients! 
     
      Hence, clients of a fiduciary can know that their advisor chose the highest legal standard required by law to work strictly for their highest good.
     
     We estimate Fiduciaries are less than 10% of total U.S. financial service providers. Fiduciaries are held to the highest client legal standard of financial planning and investment advice.
     
     The other 90% are sales oriented advisors, brokers, bank reps, registered reps. & insurance agents, selling products on a much lower suitability legal standard, not necessarily what's best for their client!
     
       Fiduciaries also must disclose conflicts of interest that could potentially bias their advice, such as; selling products that pay them higher commissions having higher fees or costs, and their lack of investment product access limiting their client's opportunities, to name a few.
     
    Choosing your advisor can have
    "The Largest Single Impact on
    Your Retirement's Success or Failure"


  • Annuity Guys® Verified Reviews

    We highly value your reviews. Please help other site visitors learn from your experience. Reviews are verified based on a …Read More »
  • Do Not Waste Time Considering Annuities, If You…

    Do Not Waste Time Considering Annuities, If You…

    Do not waste your time considering annuities if you cannot find one of the following Annuity Profiles that matches your …Read More »
  • Is Social Security an Annuity?

    Is Social Security an Annuity?

    It is important to understand the way that Social Security was designed to function. By commercial standards, this is the …Read More »
  • Hybrid Annuity Sales Hit All Time Highs! Do You Know Why?

    Hybrid Annuity Sales Hit All Time Highs! Do You Know Why?

    Record numbers of retirees and savers are flocking to fixed and fixed index annuities – why?For many baby boomers , the great …Read More »
  • Choosing Annuity Potential or Income **Guarantees

    Choosing Annuity Potential or Income **Guarantees

    Have you ever heard the quip “It can be hard to remember that the objective was to drain the swamp …Read More »
  • Are Annuities a Better Answer for The Impending Correction?

    Are Annuities a Better Answer for The Impending Correction?

    Sir Isaac Newton said it best, “What goes up must come down.” Even this booming V shaped recovery is no …Read More »
  • Are Set It & Forget It Retirements Practical?

    Are Set It & Forget It Retirements Practical?

    Have you ever put a pizza in the oven only to discover you forgot the timer and your meal is …Read More »
  • How Much Income Can You Withdraw Safely in Retirement?

    How Much Income Can You Withdraw Safely in Retirement?

    A Reuter’s article hit our desk recently. It’s based on a “safe withdrawal rate” during retirement (safe being relative since we’re …Read More »

View Our Newest Videos! Subscribe Now
  • Annuity Guys Videos - Annuity Answers
  • New Annuity Guys Videos
    Our Entertaining & Informative
     Saturday Morning Video Blog
  • Timely Retirement & Annuity Issues - Easy Opt Out
  • This field is for validation purposes and should be left unchanged.


  • Why are Markets and Annuity Sales at All Time Highs?

    Why are Markets and Annuity Sales at All Time Highs?

    Equity markets increasing and annuity sales increasing at the same time is a little like cats and dogs playing together. …Read More »
  • High Annuity Fees & High Annuity Commissions – Hear the Inside Truth

    High Annuity Fees & High Annuity Commissions – Hear the Inside Truth

    We’ll just give it to you straight – some annuities pay high commissions and some of them have high annuity …Read More »
  • Annuities versus Securities

    Annuities versus Securities

    When you build a house, you don’t start with the roof – you start with the foundation. For many retirees annuities help …Read More »
  • Tax Saving Income Tips

    Tax Saving Income Tips

    As we approach an almost insurmountable debt load likely increases in tax is may be inevitable, we thought it may …Read More »
  • Are Annuity Fees, Surrender Costs, & Commissions too High?

    Are Annuity Fees, Surrender Costs, & Commissions too High?

    I would wager that everyone has used the phrase “You get what you pay for” in describing a less than desirable …Read More »
  • How Do MarketFree™ Annuities Work?

    As you consider your overall strategy for retirement planning, one financial product to consider is a MarketFree® annuity. There are many …Read More »
  • Is Your Advisor One Annuity Away From a Free Trip to Paris

    Is Your Advisor One Annuity Away From a Free Trip to Paris

    The best annuity… is it the one that is best for you to own or the best annuity for the …Read More »
  • Is it Unfair to Compare Annuities to Investments

    Is it Unfair to Compare Annuities to Investments

    Is comparing annuities to investment choices a mistake? A recent Market Watch article stated that was just one of the …Read More »
Get Newly Released Annuity Guys® Videos on Saturday Mornings
  • Annuity Guys Videos - Annuity Answers
  • New Annuity Guys Videos
    Our Entertaining & Informative
     Saturday Morning Video Blog
  • Timely Retirement & Annuity Issues - Easy Opt Out
  • This field is for validation purposes and should be left unchanged.


  • What are Hybrid Annuities?

    What are Hybrid Annuities?

    Hybrid annuities, also referred to as hybrid income annuities, are essentially a type of annuity contract that allows the account …Read More »
  • What do Annuities Really Earn? No Hype…

    What do Annuities Really Earn? No Hype…

    Apples and oranges – what do they have in common? Both are fruits!Why would we start a discussion about annuity earnings …Read More »
  • What do index annuities, mutual funds and ETFs have in common?

    What do index annuities, mutual funds and ETFs have in common?

    Fixed index annuities, mutual funds^, and exchange traded funds (ETFs) could not possibly have very many things in common or …Read More »
  • Exposing Why Some Advisors Love or Hate Annuities

    Exposing Why Some Advisors Love or Hate Annuities

    “Why can’t we all just get along?” It seems that the spirit of divisive partisan politics has invaded the investment …Read More »
  • How Much Income Can You Withdraw Safely in Retirement?

    How Much Income Can You Withdraw Safely in Retirement?

    A Reuter’s article hit our desk recently. It’s based on a “safe withdrawal rate” during retirement (safe being relative since we’re …Read More »
  • Market Volatility is Back! Are MarketFree™ Annuities an Answer?

    Market Volatility is Back! Are MarketFree™ Annuities an Answer?

    Timing is everything. Unfortunately, 99 percent people who say they are only in the stock market when it is going up …Read More »
  • Long Term Care – Annuity and Life Insurance Solutions

    Long Term Care – Annuity and Life Insurance Solutions

    Long-term care, growth, and wealth transfer are built into many of today’s annuities and life insurance products, this is sometimes achieved …Read More »
  • 28 Risks Retirees Face – Part 2

    28 Risks Retirees Face – Part 2

    What are the risks everyone will face in retirement? We recently received a list of retirement risks prepared by the …Read More »
  • 1035 Exchange – Replacing an Annuity

    1035 Exchange – Replacing an Annuity

    Keeping the taxman at bay may seem next to impossible these days, however with annuities the IRS/Congress blessed us with …Read More »
  • Avoiding Annuity Income Rider Abuse!

    Avoiding Annuity Income Rider Abuse!

    If they tell you that your annuity has a "6%" guarantee most annuity purchasers believe that the 6% guarantee is …Read More »

 

Empowering Annuity Reference Book

 
Start Reading Now - Instant Download
  • Annuity Guys Reference Book - 250 pages of Annuity Facts

  • "The New Retirement"
    Annuity Reference Book 
    Free Instant Download
  • Confidential - Easy Opt Out
  • This field is for validation purposes and should be left unchanged.

 
Comprehensive Site Terms and Disclosure | Privacy Policy | Copyright © 2025 Annuity Guys®


  ** 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.
Annuities 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 Annuity Guys website visitors. Dick Van Dyke semi-retired from his Investment Advisory Practice in 2012 and now focuses on this educational Annuity Guys Website. He still maintains his insurance license in good standing and assists his current clients.
Annuity Guys' 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.)



  # Investors should consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The current prospectus and underlying prospectuses, which are contained in the same document, provide this and other important information. Please contact an Investment Professional or the issuing Company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.


  ^ Investors should consider investment objectives, risk, charges, and expenses carefully before investing. This and other important information is contained in the fund prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.


  ^ Eric Judy offers advisory services through Client One Securities, LLC an Investment Advisor. Annuity Guys Ltd. and Client One Securities, LLC are not affiliated.