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What Is A Qualified Longevity Annuity Contract (QLAC)?
A qualified longevity annuity contract (QLAC) is a type of annuity contract specifically designed to keep you from outliving your retirement savings. As a deferred annuity, QLACs provide you with a guaranteed stream of income later in life.
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Stan The Annuity Man: Happy Birthday To QLACs
With QLACs, SPIAs, and DIAs, there's no annual fees. There's no market attachment; it’s a straight transfer risk. You're saying to the issuing QLAC company, here's the money, and you are on the hook to pay me, or me and my wife, or me and my husband forever as long as one of us is breathing, but you don't get to keep a penny.
Article
January 28, 2024
How Annuities Address Social Security and Inflation
Hi there, Stan The Annuity Man, America's annuity agent licensed in all 50 states, talking about one word and one word only today. Inflation! Inflation Stan The Annuity Man, let's talk about inflation! Let's talk about how annuities and Social Security can address inflation.
Article
January 25, 2024
Income Riders Attached to Fixed Indexed Annuities
This is part of the Fixed Indexed Annuity blogs I've done on the product, which will help the consumer understand what's being pitched out there. Today, we're going to talk about Income Riders attached to Indexed Annuities. Why? When? How? What? And does it make sense?
Shootin’ It Straight with Stan®
January 24, 2024
Increase Your Annuity Income Floor as You Age: Shootin’ It Straight With Stan
Today's topic is a good one: Increase Your Annuity Income Floor as You Age. In other words, that income floor, that amount that's hitting your bank account every single month, needs to be increased as you get older.
Article
January 22, 2024
Left Wing, Right Wing...Need Both to Fly
Hi, my name is Stan The Annuity Man, America's annuity agent. No, I am not a political commentator, but I am going to get in the weeds about what's happening in our world right now. The title of this blog is Left Wing, Right Wing, Need Both to Fly.
Article
January 18, 2024
Annuity Expert Rants: Annuities and the Media
I've got a little bit of an issue with annuities and how the media treats annuities. Now, the last time I went on one of these rants, I guess, for lack of a better phrase, I got emotional about it because I was talking about the stock market decline, etc., but I'm upset about how the media talks about annuities.
Shootin’ It Straight with Stan®
January 17, 2024
Annuity Income: Return OF or ON Your Money?: Shootin' It Straight With Stan
Today's topic is about annuity income. Is it the return of your money or a return on your money? So, return of, or return on. Great question, Stan The Annuity Man, America's annuity agent. Let's cover it.
Article
January 15, 2024
Best Pension Annuity Deals
You're looking for the best pension annuity deals, hey, that's a good thing because pensions are good. Why? Because you can never outlive the income, just like Social Security. And if you work for the government, there are pensions there, but most people are working in the private sector, so they really don't have pensions.
Article
January 14, 2024
Roth IRA Annuity: Are the Payments Taxed?
Let's talk about Roth IRAs in general and my take on Roth IRAs. In a perfect world where unicorns chase the butterflies, Roth IRAs should be used for non-annuity assets. You've already paid the taxes on the Roth. That should be where the growth part of your portfolio is.
Shootin’ It Straight with Stan®
January 10, 2024
The 2 Questions That Make Annuities Simple: Shootin' It Straight With Stan
Today's topic is what are the two questions that make annuities simple? See, I am Mr. Simplistic out here. Don't ask my wife. She'll probably agree with you on other terms, on other reasons for that, but annuities are simple. They should be simple. They're transfer of risk contracts that primarily solve for four things.
Article
January 7, 2024
How to Buy an Annuity: Mortality Credits
Hi there, Stan The Annuity Man, America's Annuity Agent licensed in all 50 states. I am glad you joined me about how to buy an annuity, looking at mortality credits, and why that is so, so important. Mortality credits. Let's talk about it.
Article
January 4, 2024
Inherited Annuity: What Are Your Options?
What we're talking about today is a pretty interesting subject because many people are getting older. We're living longer. 10,000 baby boomers every single day are reaching retirement age, and a lot of people are calling me because they've inherited an annuity. So, what do you do? What are your options?
