show episodes
 
Fun with Annuities Podcast is hosted by America’s Annuity Agent, Stan The Annuity Man. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle. Listen in on how you can be livin’ the reality, not the dream.
 
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show series
 
In this episode, The Annuity Man discusses: The relationship between annuities and inflation. Don’t believe the pitch, understand the contract. How you do address inflation with annuities. Laddering your annuities with staggered start dates. Key Takeaways: Interest rates do not have to go up, and there are arguments for both inflation and deflation…
 
In this episode, The Annuity Man discusses: The top questions to ask your advisor about annuities. Knowing which questions are deal-breakers from the beginning for advising you about annuities. The nuances and varieties of annuities. The reasons to ask these questions for your best contractual guarantees. Key Takeaways: All lifetime income streams …
 
In this episode, The Annuity Man discusses: Why we don’t care about the cash flow percentage that other sites put by their numbers. The best immediate annuities...and why they differ for everyone. Income floor vs. cash flow. Annuities as confidence products. Key Takeaways: Annuity companies have the big buildings for a reason - they are not giving …
 
In this episode, The Annuity Man discusses: What the 4% Rule is and how it affects you. Annuities are the only product that can provide a lifetime income stream. Figuring out what you need per month to know what your withdrawal strategies need to be. Understanding what you’re buying before you sign anything. Key Takeaways: Every person retiring nee…
 
In this episode, The Annuity Man discusses: The different types of annuities and how they can work for you in retirement. Understanding your specific goals and needs. Customizing your annuity for your individual needs. Combining an income floor with your social security. Key Takeaways: Upfront bonuses are just part of the contractual guarantee, not…
 
In this episode, The Annuity Man discusses: The original purpose of a variable annuity. The mess that has been caused by Transamerica now taking over these Vanguard annuities. Being careful about companies offering upfront bonuses on annuities. Holding on and not making rash decisions. Key Takeaways: Transamerica is the company that is now servicin…
 
In this episode, The Annuity Man discusses: How to know if you even need an annuity. Shopping all carriers for your specific situation. The 5 choices when you have a fixed index annuity with an income rider. Test-driving your annuity. Key Takeaways: There is no rush to buy an annuity, only to understand it. You will never know the ROI until you die…
 
In this episode, The Annuity Man discusses: Understanding how a fixed index annuity works, rather than how it is pitched. The dangers in backtested numbers (and why they should be illegal in all 50 states). Stripping away the complication of the fixed index annuity. Shopping around for your annuity and asking for a specimen policy. Key Takeaways: F…
 
In this episode, The Annuity Man discusses: What is meant when we talk about annuity rates. The three primary lifetime income products in the annuity world. Falling in love with the contractual number, no the carrier. Understanding what you’re trying to solve for and how rates apply to your specific situation. Key Takeaways: In the annuity world, “…
 
In this episode, The Annuity Man discusses: What an index annuity is. Buying the contractual reality, not the dream. Why renewal rates are the key to index annuities. The importance of understanding what the renewal rates are and why they matter. Key Takeaways: If you’re looking for an index annuity for accumulation, then you need to know about ren…
 
In this episode, The Annuity Man discusses: What a MYGA (Multi-year Guaranteed Annuity) is. The negatives to a MYGA. The length of time on a MYGA term. The hidden secrets of a MYGA. Key Takeaways: Multi-year guarantee annuities and fixed indexed annuities are both CD products. Interest rates do not have to go up, there is a good argument for them t…
 
In this episode, The Annuity Man discusses: What an income rider is (and it isn’t an annuity). The income rider versus the accumulated value side of the calculation table. The flexible nature of income riders. Taking the annuity payments when you need the income and transferring the risk. Key Takeaways: An income rider is an attachment to a contrac…
 
In this episode, The Annuity Man discusses: The simplistic nature of MYGAs. The end of term flexibility of a MYGA. Why you can’t broad brush all annuities. It is your money, you get to make the decisions. Key Takeaways: The commission is already built into annuity contracts, they can vary depending on the complexity of the annuity. For something li…
 
In this episode, The Annuity Man discusses: The best thing to do if you have inherited an annuity. Understanding the type of policy that you are inheriting. Spousal and non-spousal choices of an inherited annuity. Understanding the goals and the contractual guarantees of the annuity you have and what you want it to do. Key Takeaways: You have to hi…
 
In this episode, The Annuity Man discusses: Understanding the claims payability of the company that is offering the pension payment. Knowing what you want the money to contractually do. Owning an annuity for what it will do not what it might do. Telling what you want, not being told what you should do. Key Takeaways: About 80% of the time, with a p…
 
In this episode, The Annuity Man discusses: Investors vs annuity buyers. Understanding the contractual guarantees and making sure they work for you. Annuities are life expectancy based - you can’t time that. The things you can’t time and why they shouldn’t affect your choice of buying an annuity. Key Takeaways: Short answer - no, you can’t time you…
 
In this episode, The Annuity Man discusses: Having money in the stock market (even if you don’t have or need an annuity). Why you should be in the stock market, either managing yourself or having someone manage it for you. Understanding if you need an annuity and how to allocate and proportion your money. Diversification of risk and assets. The sto…
 
In this episode, The Annuity Man discusses: What a 401K is and how it affects your retirement. Market growth versus contractual guarantees. Shopping annuities like you shop for plane tickets. Understanding proportion and allocation. Key Takeaways: What do you want the money to contractually do? When do you want those contractual guarantees to start…
 
In this episode, The Annuity Man discusses: Laddering for principal protection vs. Laddering for lifetime income. The customizable nature of laddering annuities. What is looked at and strategies for laddering depending on what you want the contractual guarantee to do. Addressing inflation. Key Takeaways: There are no perfect answers, just really ba…
 
In this episode, The Annuity Man discusses: How life insurance and annuities differ, despite being sold by the same companies. The variance in the death benefits between life insurance and annuities. Ways in which life insurance and annuities can work together. Knowing what your goal is when buying life insurance and annuities. Key Takeaways: Annui…
 
In this episode, The Annuity Man discusses: Determining if you need an annuity. Annuities are not one size fits all - they are contractual guarantees. Taking care with the annuity sales pitches that are coming your way. Creating your Annuity Statement of Understanding. Key Takeaways: Every single day, over 10,000 Americans reach the age of 65. To d…
 
In this episode, The Annuity Man discusses: Types of annuities that are and are not transferable. Buying and transferring an annuity inside of an IRA. Only transferring if it is in your favor (not the agent’s favor). How Income Riders affect the transferability of your policy. Key Takeaways: You can transfer from one IRA to another as a non-transfe…
 
In this episode, The Annuity Man discusses: The misinformation around annuities. How buying an annuity is like buying a plane ticket. Maximizing results with annuity calculators. Using annuity calculators to get a feel for what the guarantees are. Key Takeaways: There is never an urgency to buy an annuity. The only urgency is to understand the cont…
 
In this episode, The Annuity Man discusses: The limitations and benefits of the different types of annuities. Knowing if an annuity is right for you or not. All of the annuities can be used in the different types of accounts out there - it just changes how it is taxed. Reverse engineering to plan your annuity. Key Takeaways: Annuities are the only …
 
In this episode, The Annuity Man discusses: Structuring your lifetime income payment to go to your beneficiary, not the evil annuity company. Life insurance versus annuity death benefits. Common death benefit choices. Beneficiary setups for annuity death benefits.   Key Takeaways: Annuities are contracts, it is up to you how you want to structure i…
 
In this episode, The Annuity Man discusses: Congratulations! You already own the best inflation annuity on the planet - Social Security! Shouldering or transferring your risk. One of the biggest mistakes that people make with annuities. Buying annuities for what they will do, not what they might do. Understanding what you are buying before you buy …
 
In this episode, The Annuity Man discusses: The importance of contractual guarantees driving your buying decision Why you should never buy annuities for potential market type growth What to be aware of at the “bad chicken dinner annuity seminars” How to protect yourself by creating your own “statement of understanding”   Key Takeaways: Indexed annu…
 
In this episode, The Annuity Man discusses: Why he offers both personal service and do-it-yourself choices How all annuity types are commodities Why you should make your decision solely on the contractual guarantees Why he believes annuities should be bought, not sold   Key Takeaways: Take your time and make the decision on your terms and your time…
 
In this episode, The Annuity Man discusses: How annuity companies are more regulated than banks Where annuity companies are required to put your money The US 10 Year Treasury Note and the role is plays with annuities The reason for surrender charges on deferred annuities Key Takeaways: Fixed annuity companies have 100% of your money available day o…
 
In this episode, The Annuity Man discusses: Why DC wants people to start planning for their retirement income How Qualified Longevity Annuity Contracts (QLACs) were the original idea The new “fiduciary safe harbor” provision, and what it means to you The original intent of Social Security payments in retirement Key Takeaways: If you have a Traditio…
 
In this episode, The Annuity Man discusses: Why Long Term Care coverage is a concern for many people The two different types of enhanced benefit type coverage How each of these annuity strategies work The limitation and benefits of both  Key Takeaways: The best coverage for Long Term Care is still traditional LTC “When you get sicker you get your m…
 
In this episode, The Annuity Man discusses: Why annuities should be purchased for their contractual guarantees Why annuities should never be purchased for market type growth How different annuity types are priced The different types of annuities, and what they contractually solve for Key Takeaways: There are no “one size fits all” annuity types If …
 
In this episode, The Annuity Man discusses: Why the buying decision should be based solely on contractual guarantees Always take the P.I.L.L. to determine if you need an annuity How you only need to answer 2 questions to find the right annuity type What “Will Do. Not might do.” means when considering annuities Key Takeaways: Annuities are transfer …
 
In this episode, The Annuity Man discusses: The five safest places to put your money How fixed annuity types are safe transfer of risk strategies How to determine if a carrier is safe Ways in which the annuity industry protects the consumer Key Takeaways: Always solve for the desired contractual guarantee Look at the carrier’s ratings, COMDEX score…
 
In this episode, The Annuity Man discusses: How to build your Guaranteed Income Floor How annuities should be a part of your “income flooring” plan The various types of annuities to use with guaranteed income flooring How Social Security & Pensions payments are annuity structures Key Takeaways: Annuities are the only product that can provide a life…
 
In this episode, The Annuity Man discusses: What annuitization means and how it works The different structuring choices and how they work How you can customize the quotes for your situation How lifetime income guarantees are priced Key Takeaways: There are over 30 ways to structure annuity payments Annuities are the only product type that guarantee…
 
In this episode, The Annuity Man discusses: How annuities started in the Roman Times Annuities are the only product that guarantees lifetime income How Social Security & Pensions are annuity structures The differences between Income Now & Income Later Key Takeaways: Annuity should be associated with lifetime income Payments are based primarily upon…
 
In this episode, The Annuity Man discusses: The differences and similarities between these two products Why buyers should consider both MYGAs & CDs The value of using a Laddering Strategy Where CDs & MYGAs fit in your portfolio Key Takeaways: MYGAs & CDs function exactly the same FDIC backed CDs are the safest guarantee available MYGAs are backed b…
 
In this episode, The Annuity Man discusses: The fallacy of the one-size fits all annuity pitch The two pillar questions to ask yourself Take the annuity P.I.L.L. before buying There’s no “G” for market growth  Key Takeaways: Base your decision only on the contractual guarantees Annuities are transfer risk contracts, not investments Always shop for …
 
In this episode, The Annuity Man discusses: Step by step application process to own an annuity Fixed annuities are regulated at the state level Specific time frames with the paperwork process Key rules and procedures that you need to be aware of   Key Takeaways: Your information is kept fully confidential and is never shared You make your decision …
 
In this episode, The Annuity Man discusses: Annuities can be held inside of IRAs, Roth IRAs, and Non-IRA accounts Legacy & contractually leveraged strategies Customized solutions for your specific situation How to use contractual guarantees with combination strategies   Key Takeaways: Annuities are contractual mathematical solutions There’s no ROI …
 
In this episode, The Annuity Man discusses: How to buy the annuity steak, not the sales-pitch sizzle Own an annuity for what it “Will Do. Not might do.”   Where annuities can fit properly in your portfolio Current sales pitch trends you need to be aware of   Key Takeaways: There are no perfect answers, just bad sales pitches Any time an extra benef…
 
In this episode, The Annuity Man discusses: What an income floor is and why it should matter to you Creating an income floor for your specific situation Laddering and structuring strategies that contractually work Income Flooring is customizable to fit your specific situation   Key Takeaways: Two Key Questions: 1) What do you want the money to cont…
 
In this episode, The Annuity Man discusses: How interest rates affect each annuity type How life expectancy and interest rates work with each income annuity type What is the interest rate benchmark that the annuity industry follows What specific strategies to use instead of trying to “time” interest rates   Key Takeaways: With lifetime income guara…
 
In this episode, The Annuity Man discusses: The only 2 questions you need to answer to find out what type works for your specific situation How to use the acronym P.I.L.L. to see what annuities contractually solve for How each type of annuity works All annuity types are commodities, and all carriers should be quoted   Key Takeaways: Saying you “hat…
 
In this episode, The Annuity Man discusses: What is an Income Rider and how it works The benefits and limitations of Income Riders How Income Riders can be part of your “Income Floor” guarantees Misleading Income Rider sales pitches to watch out for   Key Takeaways: Income Rider values are used to calculate your lifetime income payment amount High …
 
In this episode, The Annuity Man discusses: What is a FIA and how it works The history of FIAs The benefits and limitations of a FIA Where FIAs can fit in your portfolio   Key Takeaways: FIAs were introduced in 1995 to compete with CD (not market) returns Income Rider guarantees can be attached to most FIA policies FIAs are life insurance products,…
 
In this episode, The Annuity Man discusses: What is a QLAC and how does it work The benefits and limitations of a QLAC The history of QLACs Why QLACs should be the #1 annuity type owned by consumers   Key Takeaways: QLACs solve for future lifetime income needs using your Traditional IRA QLACs allow you to add your significant other to the payment s…
 
In this episode, The Annuity Man discusses: What is a MYGA and how does it work The benefits and limitations of a MYGA Differences and similarities between a MYGA and a CD How to ladder MYGAs to take advantage of future interest rates   Key Takeaways:  MYGAs (Multi-Year Guarantee Annuities) are a fixed rate annuity and are the annuity industry’s ve…
 
In this episode, The Annuity Man discusses: What is a DIA and how does it work The benefits and limitations of a DIA How a DIA fits into your Income Floor How DIAs are part of Income Later planning   Key Takeaways: Life expectancy is the primary pricing mechanism of DIAs The secondary pricing role of interest rates DIAs can combat inflation by havi…
 
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