Épisodes

  • Flexible Annuity Start Dates Explained: Shootin' It Straight With Stan
    Jul 16 2025

    In this episode, The Annuity Man discussed:

    • The four lifetime income products

    • How annuities are priced

    • The simplicity of SPIA

    • Getting the highest guarantee

    Key Takeaways:

    • There are four lifetime income products: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Income Riders that can be attached to Variable Annuities and Indexed Annuities.

    • Annuities are priced primarily on your life expectancy at the time you start the payment. Interest rates play a secondary role.

    • Deferred Income Annuities are, in essence, just a Single Premium Immediate Annuity that is deferred past a year. A SPIA has no moving parts, no market attachments, and no annual fees. It is a straight transfer of risk.

    • The highest possible payments you can have from an annuity are from a life-only annuity. This is the annuity for people who don’t want to give to any beneficiaries. Companies often issue these without the option to change the start date, but you can change the start date if the contract has a cash refund or period certain attached to it.

    "That income for life transfer risk strategy with annuities, typically four primary types SPIAS, DIAS, QLACs, and Income Riders. We can structure it so that you have the ability to pivot and change that income start date." — Stan The Annuity Man.

    Connect with The Annuity Man:

    Website: http://theannuityman.com/

    Email: Stan@TheAnnuityMan.com

    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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    11 min
  • Annuities For A 9-Year Old: Shootin' It Straight With Stan (TAM Classic)
    Jul 9 2025

    In this episode, The Annuity Man discussed:

    • Buying an annuity that you understand

    • Annuities aren’t one-size-fits-all

    • How to know if you understand a product

    Key Takeaways:

    • When buying an annuity, remember that if a product sounds too good to be true, it is every single time. Some annuities are more complex, and most agents cannot explain them well, let alone even comprehend them themselves.

    • Currently, the annuity industry has an unbalanced way of compensation for different types of products. Agents get a higher commission for selling a certain type of product. The problem is that annuities aren’t one-size-fits-all. It takes some consideration to determine a person’s needs and what product would solve that.

    • Buy products that you understand. A good indicator that you do understand something fully is if you can explain it to your spouse, family, or friends and have it make sense to them.

    "You have to be able to understand what you're buying, and you have to be able to go into a second-grade class and explain it to them." — Stan The Annuity Man.

    Connect with The Annuity Man:

    Website: http://theannuityman.com/

    Email: Stan@TheAnnuityMan.com

    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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    9 min
  • Annuity Horror Stories Debunked: Shootin' It Straight With Stan
    Jul 2 2025

    In this episode, The Annuity Man discussed:

    • Why do agents tell stories?

    • Protecting yourself from bad pitches

    • Don’t listen to these stories

    • The only two important questions

    Key Takeaways:

    • In sales, managers will often tell their people that stories sell and that they do, so you have to watch out for hypotheticals, testimonials, and anecdotal “evidence.”

    • Here’s how you can protect yourself from liars who’d sell you stories: write down their sales pitch exactly as they said it and how you understood it. Sign and date it at the bottom and flip it over to them. Have them sign the contract, so they’re on the hook if they lie in their pitch.

    • Never base your decision on a back-tested number; those are stories. If they tell you all about the people who own what they're selling, don’t listen - those are stories. Never base your decision on up-front bonuses; you’re smarter than that - there’s no such thing as free money.

    • There are only two important questions: “What are the contractual guarantees?” and “When do you want those contractual guarantees to start?” By answering those two, we can determine whether you even need an annuity or which type will provide the highest contractual guarantees if you need an annuity. There are no stories with contractual guarantees.

    "Don’t buy the dream because you’re going to own the contractual reality. Don’t buy the story, buy the contract." — Stan The Annuity Man

    Connect with The Annuity Man:

    Website: http://theannuityman.com/

    Email: Stan@TheAnnuityMan.com

    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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    9 min
  • Planning Lifetime Income for Your Spouse: Shootin' It Straight With Stan (TAM Classic)
    Jun 25 2025

    In this episode, The Annuity Man discussed:

    • Annuities for your spouse and loved ones

    • Throwing darts at death

    • Planning for cognitive decline

    • Filling in financial gaps

    Key Takeaways:

    • Using a trust, you can set up an immediate annuity purchase to trigger when you pass away to provide lifetime income for your spouse using a designated lump sum. You can use annuities to lovingly handcuff your young beneficiaries, providing them with guaranteed income instead of a lump sum.

    • Buying an income rider, deferring it out, and setting it up as a joint-life policy is like throwing darts at death because you don’t know when you’re going to die. Death is not a good strategy.

    • The problem with planning for something for your spouse in case of cognitive decline is that you don’t know when you will have cognitive decline, especially if you are already in cognitive decline.

    • You can set up a plan that will fill in financial gaps that your spouse can enjoy when you pass away, and it can be set up so that your death triggers it. However, you can also throw some calculated, contractual darts if that’s what you prefer.

    "Now, while you're alive, if there's something like a pension or something that's going to be reduced upon your death, we should start planning upon your death to replace that gap for your spouse. That can be done at the time of your death - it can be triggered by your death. Or we could throw some calculated contractual darts. " — Stan The Annuity Man.

    Connect with The Annuity Man:

    Website: http://theannuityman.com/

    Email: Stan@TheAnnuityMan.com

    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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    11 min
  • Ventilator Annuity Lifetime Income: Shootin' It Straight With Stan (TAM Classic)
    Jun 18 2025

    In this episode, The Annuity Man discussed:

    • Solving for longevity risk

    • Four products for lifetime income

    • Focusing on guarantees

    Key Takeaways:

    • There is no ROI until you die. Up until then, it’s a transfer of risk to the annuity company to solve for longevity risk. The longevity risk is the fear that you’ll outlive your money. An annuity will pay as long as you’re breathing, even if you are on a ventilator.

    • The annuity industry has four major types: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Income Riders. All four provide a lifetime stream as long as you are breathing or if you set it as joint-life, as long as you or your spouse is breathing.

    • Forget all the shiny things that agents try to make you fixate on. Focus on the guarantee that you will get paid as long as you’re breathing. You could also structure the contract so that your money goes to your beneficiaries when you die.

    "The good thing about turning on lifetime income stream and transferring that risk to an annuity company to pay for as long as you're breathing or on a ventilator is that it's turnkey. And there will come a point if we live long enough that we will need that income to be turnkey." — Stan The Annuity Man.

    Connect with The Annuity Man:

    Website: http://theannuityman.com/

    Email: Stan@TheAnnuityMan.com

    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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    10 min
  • Push Comes to Shove Annuities: Shootin' It Straight With Stan (TAM Classic)
    Jun 11 2025

    In this episode, The Annuity Man discussed:

    • Annuities with a push-comes-to-shove feature

    • Advantages of liquidity

    • Balance between potential and liquidity

    • Why flexibility matters in annuity planning

    • Meeting diverse financial needs through annuity design

    Key Takeaways:

    • Certain annuity products, such as the MYGA (Multi-Year Guaranteed Annuity), fixed-rate annuity, and CD annuity, offer a liquidity option known as the "push-comes-to-shove" feature, allowing penalty-free withdrawals in case of emergencies.

    • The "push-comes-to-shove" feature in annuities provides access to funds when faced with unexpected financial circumstances, offering peace of mind and flexibility.

    • By allowing penalty-free withdrawals, these annuity products cater to individuals seeking a balance between growth potential and liquidity, ensuring financial security during unforeseen events.

    • The inclusion of the "push-comes-to-shove" feature in annuity products reflects an understanding of the need for accessible funds, particularly in times of crisis or emergencies.

    • Annuity providers recognize the importance of offering products that not only provide long-term growth opportunities but also address the potential need for immediate access to funds, catering to the diverse financial needs of their clients.

    "Annuities that provide you the liquidity, either taking out interest or 5% or 10%, those are push-comes-to-shove annuities." — Stan The Annuity Man

    Connect with The Annuity Man:

    Website: http://theannuityman.com/

    Email: Stan@TheAnnuityMan.com

    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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    7 min
  • Annuity Companies Are Not Smarter Than Banks: Shootin' It Straight With Stan (TAM Classic)
    Jun 4 2025

    In this episode, The Annuity Man discussed:

    • Annuity companies are more regulated than banks

    • Features that protect the annuity industry

    • There is no run on annuities

    • How the banking crisis will affect the annuity industry

    Key Takeaways:

    • Annuity companies are more regulated than banks, with features like surrender charges and market value adjustments that prevent runs on the company.

    • Annuity companies are required to invest in investment-grade bonds, providing stability, unlike banks that had to sell bonds during the recent crisis.

    • Lifetime income products offered by annuity companies, such as SPIAs and DIAs, are irrevocable and provide a guaranteed income stream for life, preventing panicked withdrawals.

    • The National Association of Insurance Commissioners (NAIC) plays a crucial role in overseeing annuity companies and protecting consumers, and the recent banking crisis will likely lead to increased oversight of the annuity industry.

    "The bottom line: the annuity industry has put in place features to not only protect you, the consumer, which is their ultimate goal, period, but to protect the industry as well." — Stan The Annuity Man.

    Connect with The Annuity Man:

    Website: http://theannuityman.com/

    Email: Stan@TheAnnuityMan.com

    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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    11 min
  • Annuity Light Switch Income Guarantees: Shootin' It Straight With Stan (TAM Classic)
    May 28 2025

    In this episode, The Annuity Man discussed:

    • Why would you want to stop taking in income?

    • Three types of irrevocable lifetime income teams

    • Light-switch Annuity Products

    Key Takeaways:

    • There a myriad reasons why you would want to stop taking income, and there are annuity reasons that allow for this. One reason could be if tax laws change in the future and you want to shut down the income stream to not getting taxed, or when you want the income to accumulate for your death benefit.

    • The three types of irrevocable income lifetime income streams are Single Premium Immediate Annuity, Deferred Income Annuity, and Qualified Longevity Annuity Contracts.

    • A Multi-Year Guaranteed Annuity is the annuity industry version of a CD. It allows you to take out interest while keeping the capital intact, and it’s a light-switch annuity product. Another light-switch product is an income rider attached to an indexed annuity.

    "There are annuities that aren't light switch annuities: SPIAs, DIAs, and QLACs - but there are annuities that are light switch for income, MYGAS, and then income riders which are lifetime income products." — Stan The Annuity Man.

    Connect with The Annuity Man:

    Website: http://theannuityman.com/

    Email: Stan@TheAnnuityMan.com

    Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work

    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g

    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

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    9 min