Common Myth: If You Want Guarantees, You Have to Sacrifice Strong Returns. This is False.
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Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy.
No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structured policies are frequently the cause.
Sunday, March 8, 2026
Ferenc Compares Index Annuities with the new Hybrid Annuities
1. A common myth is that if you want guarantees, you have to sacrifice strong growth. This is no longer true.
2. Ferenc shares a new client case that compared an Index Annuity with a Hybrid Annuity.
Hybrid Annuity Index Annuity
Growth: Limited: capped at 11-17% annually Unlimited: no cap
Downside Protection: Partial: 10-20% Full: principle guaranteed
Annual Fees: 2.5% None
3. If you have an annuity that has had under 7% returns the past couple of years, you have a subpar product with poor returns. You should consider comparing a superior product.
4. If you have an early surrender penalty, bonuses of 22-29% are available to offset the penalty with strong index options.
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