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🤔What is a hybrid Annuity?🤠
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What is a hybrid Annuity?

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Jeff McLeod, LUTC
800-286-1812
ARKANSAS LICENSED INSURANCE PRODUCER # 558629

NATIONAL LICENSED INSURANCE SALES PRODUCER #558629

CA Lic # OE44103 FL Lic # A174039 TX Lic # 901162
#WhatisahybridAnnuity? #annuity #annuities

Important Disclaimer: This video is for informational and educational purposes only and does not constitute a personalized quote, recommendation, or solicitation to purchase an annuity or any insurance product. It references the NAIC Annuity Buyer's Guide (2007, 2020 edition, available at https://content.naic.org/) for consumer education on key topics like fees, risks, and alternatives — download your free copy there for full details. Annuity rates, payouts, features, and availability vary significantly based on individual factors including age, health, state of residence, carrier, market conditions, and economic factors. Hypothetical examples (e.g., yields or payouts) are based on historical averages or general ranges and are not guarantees of future performance. Key Considerations & Risks (Per NAIC Buyer's Guide & State Laws): Annuities may involve surrender charges (up to 10% in early years), mortality & expense fees (1–2% annually), and other costs that could reduce returns.
Withdrawals before age 59½ may incur a 10% IRS penalty plus ordinary income taxes. Not FDIC-insured; backed solely by the insurer's claims-paying ability (check A.M. Best ratings).
Annuities may not be suitable for everyone — evaluate liquidity needs, investment goals, tax implications, and alternatives like CDs, IRAs, or bonds. Not a substitute for professional financial advice.

Conflicts of Interest: As a licensed insurance producer, I (Jeff McLeod) may receive commissions on suitable products recommended through consultations. Produced by Jeff McLeod, Licensed Insurance Producer in AR # 558629 CA 0E44103, TX 901162 FL A174039 and other states. Completed NAIC Annuity Best Interest Training (4–8 hours, state-specific, 2025). For personalized quotes or advice compliant with your state's regulations (e.g., CA DOI, TX TDI, FL OIR, AR AID), contact me directly: Call/Text 501-658-9882 | Schedule: calendar.app.google/HPsxFSoFZEBujLfD8 | Email: [email protected]. Rates and products change; consult me for current details. Questions? File a complaint with your state's DOI: insurance.arkansas.gov (AR), insurance.ca.gov (CA), tdi.texas.gov (TX), floir.com (FL).