Best Hybrid Annuities That Offer Both Income and Growth

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Looking for the best hybrid annuities that offer both income and growth? You’re in the right place.

In this video, we’ll break down top hybrid annuity options designed to provide a balanced mix of stable income and market growth potential.

You’ll discover standout products from leading providers and learn how they can secure your financial future.

Summary

Hybrid annuities combine fixed and variable features, offering a balance of income stability and growth potential tailored to individual investor needs.

Leading providers like Allianz Life, MassMutual, and Prudential offer diverse products that cater to various risk tolerances and financial goals, emphasizing the importance of understanding each one’s benefits and fees. In the video above however, I focus on Delaware Life and Corebridge as great examples of income and sustained growth.

Separating growth and income products can enhance investment strategies, enabling investors to better manage risk while pursuing capital appreciation and securing a reliable income stream.

Top Hybrid Annuities for Balanced Growth and Income

Navigating the world of hybrid annuities can be daunting, but knowing the top players in the field can make a significant difference in your investment strategy.

Hybrid annuities offer the flexibility to allocate funds based on interest rates and sub-account elections, allowing for a customized approach that aligns with individual risk tolerance and financial goals.

These annuities combine fixed and variable features, which can enhance their appeal to a broad spectrum of investors.

The best hybrid annuities in 2025 include notable insurance products from Allianz Life, MassMutual, and Prudential. These products are designed to balance security and growth potential, catering to a wide range of investor needs.

Each of these offerings provides unique benefits and opportunities for market-based gains while ensuring lifetime income.

Allianz Life Fixed Index Annuities

Allianz Life stands out in the annuity industry with the following highlights:

An impressive portfolio of fixed index annuities, offering 11 different products

Ensures financial security and growth for its clients

Rated A+ for its financial strength

Sold $12.8 billion in fixed annuities in 2024 alone, showcasing its reliability and market presence

A unique feature of Allianz’s fixed index annuities is the Index Lock, which provides a strategic growth opportunity by locking in interest rates based on a stock market index like the S&P 500 while protecting the principal protection from negative returns.

This means that even if the index has a negative year, the contract value does not lose value, although no index interest is added. Additionally, Allianz’s fixed annuity offers similar benefits, ensuring stability for investors.
This blend of growth potential and security makes Allianz Life’s fixed index annuities a compelling choice for conservative investors seeking a balance between risk and reward.