The Secret Truth about Annuities



The Secret Truth about Annuities

TABLE OF CONTENTS

Part 1

Questions .............................................................................................. 2 The Income Guarantee ......................................................................... 2 Do I Fit the Annuity Criteria? .............................................................. 3 Clearing up the Confusion.................................................................... 3 The Facts .............................................................................................. 4 The Rate Hype...................................................................................... 5 Negative Opinions ................................................................................ 6 Keep the Gains, Never the Losses ........................................................ 7 Using IRA / 401(k) Money for Annuities ....................................... 9 Are there "Hidden Fees"?................................................................... 10 Will my Money be Liquid? ................................................................ 11 Who Keeps my Money when I Die? .................................................. 11 What's the "Bonus" Catch?................................................................ 13 How Surrender Charges Work? ......................................................... 14

Part 2

What you'll Learn in Part 2 ................................................................ 17 The Problem with Retirement Income ............................................... 17 3 Methods to Solve the Income Problem ........................................... 18 The Solution to the Income Puzzle..................................................... 21

Part 3

Do-It-Yourself Pension using an Annuity .......................................... 24 The Next Steps ................................................................................... 27 A Note from the Author ..................................................................... 29 Index................................................................................................... 30

A N N U I T I E S G E N I U S . C O M

Part

1

Introduction

Is what you currently know about "Hybrid Annuities" really the truth?

M aybe some of you have previously owned an indexed annuity with an income rider (Hybrid Annuity) and you're thinking, "of course I know the truth". But it's possible that most of what you think you know about them is wrong.

"Hybrid Annuities" can be a perfect fit for some people and maybe less beneficial for others. After reading this guide you will know whether or not it is for you.

So, what brought you here, about to read this guide on Hybrid Annuities? Maybe you went to a dinner seminar and the speaker was talking about Hybrid Annuities. Or maybe you saw an ad on the internet for "8% Annuity Secret" or something like that. Or maybe you asked for some "Free Information" from a website and now you have an overly aggressive agent calling and emailing you, trying to pressure you into buying an indexed annuity with an income rider. However you got here, you most likely have some questions or concerns about Hybrid Annuities.

There is a real lack of unbiased information out there on indexed annuities. It seems like it's either over hyped sales pitches from insurance agents or, Wall Street people bashing the heck out of them.

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As with most things, the truth is somewhere in the middle. Hopefully this guide will clear the air on some of the confusion.

Questions

Let's talk about some of the questions you might be asking yourself:

? Is an annuity right for me? ? What if I make a costly mistake? ? Where can I get help to understand how annuities work? ? Who can give me some unbiased, factual, honest information so

I can decide for myself?

Well I've got a simple question for you instead, that will really get to the heart of the matter.

"Would you like to turn a portion of your savings into a guaranteed income for life when you retire?"

If you answered "no" then an annuity is not for you.

If you answered "yes", or "I think so", or "maybe", then keep reading and you will find the answers to the questions you're asking yourself.

The IncomeGuarantee

The #1 reason to put some money into an indexed annuity with an income rider (Hybrid Annuity) is the guaranteed income you will get at some point in the future. This helps people stop worrying about depleting their IRA or 401(k) balance too soon or running out of money.

If you don't need or don't want some level of guaranteed income from your IRA/401(k) or other savings at some point in the future, then you should not put one single penny into an index annuity with an income rider. An index

Speak to an expert! -844-ANNUITIES (844) 266-8484

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annuity by itself may be ok, but why pay for an income rider if you don't need income? Buy a Hybrid Annuity based on what it will do for you, not what it might do.

Do I Fit the Annuity Criteria?

Let's look at the ideal person that a Hybrid Annuity might be a fit for.

1. You are between the ages of 40 and 70. 2. You have between $250,000 and $3,000,000 of investable assets. 3. Ideally you are still working (or just recently retired). 4. You will not be getting a huge pension when you retire. 5. You will need income from IRA/401(k) to supplement Social

Security . If this describes you, and you want to see if one of these Hybrid Annuities could fit in your overall investment portfolio, I promise that this guide will help to point you in the right direction.

Clearing up the Confusion

So first let's talk about the term "Hybrid Annuity".

The term Hybrid Annuity means exactly this:

"An Indexed Annuity with an optional Income Rider". They mean exactly the same thing. "Hybrid Annuity" is simply a hyped-up marketing term. It's not an actual product and in fact the insurance company compliance departments usually don't like the term Hybrid Annuity.

Note

The definition of the word "hybrid"; of mixed character or, composed of mixed parts.

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