HYBRID ANNUITIES
A fixed indexed annuity with an attached optional guaranteed lifetime income rider.
A Hybrid Annuity is technically not a category of products nor is it standardly defined by any insurance company. A Hybrid Annuity is a marketing term described as an annuity that merges several different annuities and/or their riders together resulting in a combination of features with multiple benefits. The combination of benefits work together to accomplish long term financial objects.
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THE TRUTH BEHIND HYBRID ANNUITIES
It is believed that the combination of a fixed annuity, a variable annuity and an immediate annuity together create a hybrid annuity. However, what most hybrid annuity promoters are usually referring to is a fixed indexed annuity with an attached optional guaranteed lifetime income rider. Please visit our Fixed Indexed Annuities page for a complete description of this annuity type.
At US Annuity Institute, we prefer to call hybrid annuities by their real name, indexed annuities with attached income riders in order to avoid the marketing play. However, we’ll certainly know what you are referring if you prefer to call them Hybrid annuities. We’re here to help you identify the most important benefits along with the best fit features for your personal needs.
