I often hear people say they hate annuities. This statement quickly tells me they need help understanding annuities. When used correctly, annuities are powerful financial tools, including Fixed Index Annuities with an Income Rider, as long as they are structured for guaranteed income. They get a bad reputation because agents pedal them with misleading, misunderstood, and sometimes downright inaccurate information. It is important for you to know that a fixed index roll-up rate is not the yield as I describe in this week's video.

If you need guaranteed lifetime income, you can run a quote on my website for either an Income Rider, a DIA, or a SPIA and choose the insurance carrier that offers the highest guaranteed income payout.

If the quote meets your income needs, don't try to time the market or second guess interest rates. Purchase the annuity that covers your cash flow requirements because it's impossible to predict whether waiting will provide something better. There's NO Annuity Sweet Spot to Purchase, as I describe in my recent Shootin' It Straight With Stan video.

Income annuities provide lifetime income for you and your spouse using single or joint life income. I explore the difference between single and joint life payout in this week's Q&A Friday. Income annuities like SPIAs, DIAs, and Income Riders solve your income needs for life. If you want to discuss your situation, we are here to help. Book A Call on our website, and we'll help you find the highest-paying annuity to meet your needs.

It's All About the Guarantees,

Stan