What is a Hybrid Long Term Care Insurance Annuity?

📊 The Long Term Care Hybrid Annuity That Solves Two of Retirement’s Biggest Risks

🔒 Principal Protection. 💰 Guaranteed Income. 🏥 Long-Term Care Coverage. All in One.

In today’s uncertain economy, where market swings and inflation dominate the headlines, many retirees and pre-retirees are seeking to self insure their long term care risk.

A retirement plan that provides a lifetime income stream and a 100% bonus if you need long term care you can count on—no matter what.

And if you’re reading this, chances are you’ve asked yourself two of the most important questions:

What if I run out of money later in life?
What if I need long-term care and don’t want to be a burden on my family?

We’ve helped thousands of people just like you navigate those fears with a simple but powerful solution: a hybrid long-term care annuity from multiple annuity companies.

This plan is not perfect, but checks a lot of boxes:

✅ Guaranteed lifetime income
✅ No medical underwriting
✅ 10% upfront income bonus
✅ 8% Compound or 10% simple interest growth on your income base for 20 years
✅ LTC doubler benefit for five years if care is needed
✅ Market upside potential with no downside risk
✅ IRA-friendly funding or non-qualified funds

Let’s dive into how this strategy works—and why it may be the cornerstone of your retirement plan.

🔍 What Is a Hybrid Long-Term Care Annuity?

This is not your grandmother’s annuity.

This is a modern retirement vehicle that combines:

Growth based on index performance such as (NASDAQ or S&P 500)
Principal protection regardless of market crashes
Guaranteed lifetime income you can’t outlive
Enhanced long-term care benefits if needed paid in cash

And unlike traditional long-term care insurance, you don’t lose anything if you never use the care benefit. Your money still earns, grows, and pays you income for life.

No invasive medical questions. No denied claims. No wasted premiums.

🛡 The Safety Net: Guaranteed 10% Annual Simple Interest for 20 Years

Let’s start with what makes this product different and better.

From the moment you fund your annuity, Athene gives you:

A 10% upfront bonus added to your income base
10% annual simple interest, locked in every year, for 20 years
The freedom to turn income on anytime you choose

Even if the NASDAQ or S&P performs poorly for decades, your income base continues to grow. Your actual account value also tracks market indexes—but you’ll never lose a penny to a market downturn.

📘 Example: You deposit $500,000

Day 1 Bonus: +$100,000 = $600,000 Income Base

After 10 Years: $1,050,000 Income Base

After 20 Years: $1,550,000 Income Base

Your actual account value can grow higher—but your income base is guaranteed.

📉 What If the Market Tanks?

We get this question often: “What if the markets stay negative for years?”

Let’s walk through a worst-case scenario.

The illustration we can send you shows that even if the NASDAQ is negative for 20 straight years, your lifetime income base still grows every year—thanks to the guaranteed 10% simple interest.

In that case, your $500,000 would still create:

$1,550,000 in income base by Year 20
A lifetime income stream based on your age
And if long-term care is needed? You get double the income for up to 5 years

This level of principal protection and guaranteed growth is rare—and incredibly valuable.

📈 What If the Market Performs Well?

Now let’s talk about the upside.

Page 9 of the Athene illustration shows a back-tested scenario using NASDAQ returns over the past 10 years.

💡 Based on this back-tested performance:
Your $500,000 could have grown to $3,118,754 in 20 years
That’s an average annual return of 8.90%—with no risk of principal loss

It’s the best of both worlds:

Downside protection through guaranteed growth
Upside potential via index-linked performance
Income flexibility based on your personal timeline

This is why clients are calling it a “bond fund replacement” with purpose.

💼 What Makes This Plan Different From Traditional LTC Insurance?

Let’s compare it side-by-side:

Feature	Traditional LTC Insurance	Hybrid Annuity
Medical Exam Required?	✅ Yes	❌ No
Premiums Lost if Unused?	✅ Yes	❌ No
Lifetime Income?	❌ No	✅ Yes
Long-Term Care Multiplier?	❌ No	✅ Yes
Market Growth Opportunity?	❌ No	✅ Yes
Principal Protection?	❌ No	✅ Yes
Fund With IRA?	❌ No	✅ Yes

Traditional LTC insurance is often expensive, medically underwritten, and “use-it-or-lose-it.” With this hybrid annuity, you:

Always retain control of your money
Always receive income, even if you don’t need care
Have the flexibility to leave a legacy

🧠 A Real-World Client Example

👩‍🦳 Margaret, age 60, used $200,000 from an old IRA
🔒 She deferred income for 10 years
💰 At age 70, her guaranteed income was $30,000 per year
🏥 If LTC was needed, it increased to $60,000 per year for 5 years

Even if the market stayed flat or negative, Margaret would still receive:

$300,000 total over 10 years of income
Or $300,000 + $300,000 LTC multiplier over 5 years if needed

All from a guaranteed, protected account.

💬 Market Insight: Why Clients Love This Right Now

In markets like we’ve had the past few months—full of volatility, inflation, and uncertainty—this product shines.

Why?

Because it reminds investors of something easy to forget in boom times:

👉 “It’s not just about what you can earn. It’s about what you can’t afford to lose.”

Adding principal-guaranteed strategies to your portfolio brings balance and confidence to your retirement income plan.

And with bond funds underperforming and interest rates whipsawing, this hybrid annuity offers a stable, tax-efficient alternative with real upside potential.

📋 Frequently Asked Questions

❓ Can I lose money with this annuity?

No. Your account value will never decrease due to market losses. Principal is protected.

❓ Do I have to take a medical exam?

Nope. There is no medical underwriting required—every applicant qualifies.

❓ Can I fund this with my IRA?

Yes. In fact, most clients use IRA rollovers or 401(k) rollovers to fund the plan. We can help walk you through it.

❓ What if I never need long-term care?

You still get your guaranteed lifetime income. The LTC benefit is a built-in multiplier—not a use-it-or-lose-it feature.

❓ What happens to my money if I pass away early?

Any remaining account value passes to your beneficiaries—nothing is lost to the insurance company.

📞 Want to Review an Actual Illustration?

We’ve prepared a sample illustration for a $500,000 deposit that shows:

Page 1: Worst-case scenario income projections with zero market growth
Page 9: Back-tested market growth to over $3.1M over 20 years
Full breakdown of income at each age, and LTC benefit triggers

If you’d like to review this in more detail, we’re happy to:

🧾 Send you a customized quote
📞 Walk through the numbers on a quick Zoom or phone call
🧑‍💼 Answer any questions about IRA funding or your unique goals

Just let us know how you’d like to connect!

✅ Request Your Free Custom Illustration Below

There’s no cost, no commitment, and no pressure. Just clarity.

👇 Fill out the short form below and we’ll send your personalized numbers.

You’ll receive:

Your projected income amounts at your selected retirement ages
Your guaranteed minimum income floor
Your LTC multiplier benefits
Back-tested performance scenarios
And an invitation to walk through the strategy 1-on-1