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Are Annuities a Rip-Off?

Are Annuities a Rip-Off?

Boy, you must be angry. You pulled this one up. Are annuities a rip-off? "Come on, Stan, tell me the truth. Are annuities a rip-off? Are they ripping me off?" No, annuities are contracts. The rip-off comes on the sales pitch part, which we'll discuss, but annuities are not a rip-off. Annuities are transfer of risk contracts, period.
3 Questions to Ask Yourself Before Buying an Annuity

3 Questions to Ask Yourself Before Buying an Annuity

Hi there. Stan, The Annuity Man, America's annuity agent, licensed in all 50 states. What are the questions you ask yourself before you buy an annuity? What are the questions you ask yourself about annuities in general? I mean, do you need an annuity? Does an annuity fit? When you start considering annuities, what are those real questions that you need to ask to make a good decision whether an annuity type, and there are many types, is right for you.
Annuity Vs. 401k: Do 401k Plans Offer Annuities?

Annuity Vs. 401k: Do 401k Plans Offer Annuities?

So what are we talking about today? Stan The Annuity Man, America's annuity agent licensed in all 50 states, including yours. We're talking about 401ks and annuities. Which one's better? Does your 401K offer an annuity? Should your 401K offer an annuity? If your 401k doesn't offer an annuity, what do you do? You know what? I'm going to cover all of those topics, all of those questions in detail.
Retirement Withdrawal Strategies: MYGA

Retirement Withdrawal Strategies: MYGA

Today's topic is retirement withdrawal strategies. We're talking about MYGAs, Multi-Year Guarantee Annuities. We will go through how you can use MYGAs for your retirement withdrawal strategies. That's kind of hard to say. Retirement withdrawal strategies. How about that?
Are Annuities Really Guaranteed?

Are Annuities Really Guaranteed?

Hi there, Stan, The Annuity Man, America's annuity agent, licensed in all 50 states. The question today is a really good one. Are annuities really guaranteed, Stan, The Annuity Man? You talk about contractual guarantees all the time. You talk about guarantees, guarantee this, guarantee that. Are they really guaranteed, and how are they guaranteed? Please tell us that Stan, The Annuity Man. I'm going to do that, thanks for asking.
Pension Income Streams

Pension Income Streams

So, you're interested in pension income streams. Aren't we all? Wouldn't you like to have a pension income stream? Unfortunately, most employers at this point don't provide that. They provide some type of 401(k) or 403(b) or something that allows you to grow money. But at the end of the day, when you get to the pre-retirement stage and see the finish line of all of this hard work, you need to understand how to create that pension income stream, right?
Can You Transfer Money From an Annuity to an IRA?

Can You Transfer Money From an Annuity to an IRA?

Stan The Annuity Man, America's annuity agent, with a burning question, "Can you transfer an annuity to an IRA?" I will answer it very quickly, and then I can dig down into the question. The answer's maybe. How about that? Okay, I know you're mad at me because I answered the question with maybe. Can you transfer an annuity to an IRA? You can if the annuity is already inside of an IRA.
What Is an Annuity Loan?

What Is an Annuity Loan?

Hi there, Stan, The Annuity Man, American’s annuity agent, licensed in all 50 states. Today’s topic’s kind of a weird one, and I might lose my mind over it. The topic is What is an Annuity Loan? L-O-A-N. I’m going to take a deep breath. I’m going to take a sip of Coca-Cola, the sugar-free kind, because I can’t do the sugar, and then I’m going to tell you about my thoughts on annuity loans.
Annuity Comparison DIA vs. QLAC

Annuity Comparison DIA vs. QLAC

Hi, there. Stan, The Annuity Man, America's annuity agent, licensed in all 50 states. Today we're discussing annuity comparisons, QLACs, Qualified Longevity Annuity Contracts versus DIAs, Deferred Income Annuities. We're going to compare them. We're going to talk about how they differ, how they're the same, and all that stuff. Why you should look at them, why you shouldn't look at them.
Are Annuity Death Benefits Tax-Free?

Are Annuity Death Benefits Tax-Free?

Hey, Stan The Annuity Man here. The question today is, Are Annuity Death Benefits Tax-Free? I'm going to answer that in a very quick fashion. The answer's no, but I want you to hang in there with me so I can explain why the death benefits are not tax-free. And then, at the end of the video, I'm going to tell you how to get my books for free. So, hang in there so I can explain more about annuity death benefits and the taxes you will have to pay.
Understanding the Benefits of Annuities for Your Future

Understanding the Benefits of Annuities for Your Future

Hi there. Stan The Annuity Man, America’s Annuity Agent licensed in all 50 states. Today’s topic is understanding the benefits of annuities for your future. I will probably throw in some negative stuff as well because there’s no perfect product out there, but annuities do provide what you need in retirement. You need to put it in the back of your head that annuities might be a solution for you, whether you’re in retirement already or going in that direction.
Is Social Security an Annuity?

Is Social Security an Annuity?

Hey, Stan The Annuity Man, America's annuity agent. Yes, I am licensed in all 50 states, and that means I'm licensed in your state. So, the question of the day is, Social Security, those payments you love or getting ready to love if they're coming down the road, is that an annuity? Short answer, yes. The long answer, which I'm getting ready to go into, will be very intense, informative, and you're going to walk away going, "Do I really hate all annuities? Do I? No, I can't because I love my Social Security."
Best Way to Use an Annuity at Retirement

Best Way to Use an Annuity at Retirement

I'm Stan, The Annuity Man, America's annuity agent. Have you ever asked yourself, "Do I even need an annuity?" That's a great question. You might or you might not, but I'm going to cover today what's the best type of annuity for retirement. Let's get to that question and find out if an annuity fits your specific situation or not.
Do All Annuities Have Surrender Charges?

Do All Annuities Have Surrender Charges?

Hey, Stan The Annuity Man here, America's annuity agent. Today's topic is, Do All Annuities Have Surrender Charges? The short answer is no, but obviously, there's more to that. You just can't say no. It's like saying, "How are you doing?" "Good." There's more to it than that, but we're going to go through all the different types. I'll explain the ones that do, the ones that don't, and the reasons they do or don't.
What Is the Objective of an Annuity?

What Is the Objective of an Annuity?

Stan, the Annuity Man here. What is the objective of an annuity? To me, that's like you're saying, "Hey, I heard all these things about annuities. I went to the bad chicken dinner seminar and ate the chicken." And if it was a steak dinner seminar, now you know how high the commissions were. So, what is the objective of an annuity? I will tell you the good, the bad, the ugly, and the history of that question.