aboutStan the Annuity Man

Stan is America's Annuity Agent®. He's licensed in all 50 states, represents every major carrier, and has one rule: only recommend what the contract will do, never what it might do.

Licensed in ALL 50 States & Puerto Rico

Top Independent Annuity Agent in the U.S.

7 Annuity books published
(The Annuity Stanifesto II releasing in 2027)

Over 2,000 annuity educational videos published

Thought Leader & Pioneer in the Annuity Industry & Direct to Consumer space

Stan's Mission Statement

Stan The Annuity Man® only recommends fixed annuities. He does not sell variable annuities, life insurance, or long term care insurance. His entire focus is on contractual guarantees using all fixed annuity types. Stan is a firm believer that annuities should NOT be purchased for market growth, even though too many advisors push annuities for non-guaranteed return scenarios.

Those fixed strategies that Stan uses can contractually provide full principal protection or lifetime income, with the policies able to be customized to fit your specific goals.

Even though The Annuity Man® LLC is a top annuity sales leader, the true focus is educating the consumer so that they can make an informed decision on their terms and on their time frame.

Noteable Quoteablesfrom Stan The Annuity Man®

“Own an annuity for what it WILL DO®, not what it might do.”
“There's no perfect annuity answers, just bad sales pitches.”
“Don’t buy annuity sale pitch dreams because you are going to own the contractual realities of the policy.”
"Beware of bad chicken or expensive steak dinner annuity seminars. Swallow the food, not the sales pitch."
“Stan The Annuity Man® is where annuities are bought, not sold.”
“If it sounds too good to be true with annuities, it is, every single time without exception.”
"Annuities are transfer of risk contracts, not investments."
“Annuity companies have the big buildings for a reason; they don't give anything away, and they know when we are going to die."
“Upfront bonuses on indexed annuities are nothing more than candy for the stupid and just part of the overall contractual guarantees."
"Income Rider roll-up rates are NOT real yield."

Get educated... The Annuity Man® way.

Get your free Annuity Owner’s Manuals — clear, concise guides explaining each type of annuity without the sales fluff.

frequently asked questions

What is an annuity?

Annuities are a transfer of risk contractual guarantees issued by life insurance companies.

How do I know if an annuity strategy might fit my situation?

Stan has an acronym he uses to determine if an annuity fits. The acronym is P.I.L.L.

P stands for Principal Protection.

I stands for Income for Life.

L stands for Legacy.

L stands for Long-Term Care.

Those are the 4 goals annuities can contractually solve for.

What are the primary annuity types that offer contractual guarantees?

MYGAs, SPIAs, DIAs, QLACs, DIAs, and Income Riders. You can run live quotes or see live rates on each and download Owner's Manuals on each one.

Are annuities investments?

Annuities are not investments, they are contracts between you and the issuing life insurance company offering the annuity guarantee.

What are the questions I should ask before buying?

There are only 2 questions to ask and answer to determine which annuity type will provide the highest contractual guarantees.

1. What do you want your money to CONTRACTUALLY do?

2. When do you want those CONTRACTUAL guarantees to start?

How young is too young to consider annuity contractual guarantees?

I take each situation on a case-by-case basis, but if you are younger than 50 years old, you probably don't need an annuity of any type.

Can I put all my money in annuities?

No. The National Association of Insurance Commissioners (NAIC) suggests that no more than 50% of your investable assets should be placed in annuities of all types.

How easy is it to buy an annuity?

The Annuity Man® has the most efficient and simple process to buy an annuity. One 25 minute application phone call with my TEAM, allows us to take care of everything for you from start to finish.

How are annuities taxed?

You always need to consult with a CPA or Tax Lawyer for tax advice. However, annuity distributions are taxed at ordinary income levels, but tax details are dependent on many factors like account types used, etc.

Can I transfer from one annuity to another without tax consequences?

IRA to IRA transfers are a non-taxable event, and annuity to annuity transfers are also a non-taxable event using IRS rule 1035.

Can I transfer from life insurance to an annuity?

Yes, the 1035 exchange rule (a rule under Section 1035 of the Internal Revenue Code) allows you to move from life insurance to an annuity.

Should I buy annuities for market type growth?

No. I'm the only agent/advisor that will truthfully tell you that. Never buy an annuity for NON-GUARANTEED growth proposals. If you want real market growth, never buy an annuity of any type.

What is the ROI on lifetime income annuities?

Annuities have one monopoly value proposition that no other financial product has: Lifetime Income. There's NO ROI until you die because you have transferred that longevity risk to the life insurance company that issued the annuity.

How many annuity types provide lifetime income guarantees?

There are 4 annuity types that provide lifetime income.

1. SPIAs

2. DIAs

3. QLACs

4. Income Riders

Talk to Stan or you might regret your buying decision later.

No cost. No obligation. 30 minutes. Straight to the point with the #1 annuity agent in the country