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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.
Podcast
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
May 30, 2024
Annuity Sales Pitches: The Facts Behind the Most Popular One
Today's topic is a good one for me because this is the one that makes the top of my head pop off. This is the one that makes the veins pop out of my neck. This is the one when my producer saw me this morning before we got going, and they had to do makeup; I had this vein popping out of my eye.
Shootin’ It Straight with Stan®
May 29, 2024
There’s No ROI Until You Die With Lifetime Income Annuities: Shootin’ It Straight With Stan
Today's topic is: There’s No ROI Until You Die With Lifetime Income Annuities. It's a great little quippy rhyme: there's no ROI until you die. ROI is the return on investment.
Article
May 27, 2024
Annuity Ladder: Does It Create a Higher Payment?
What are we talking about today? Annuity ladders. Do annuity ladders, laddering annuities, create a higher income stream? Maybe. Good question, but let's dig deeper into how to structure annuity ladders, how they work, and why you should consider them.
Article
May 26, 2024
How Does a Fixed Index Annuity Work?
This is a hot topic, not the clothing line for you youngsters out there. How does a Fixed Indexed Annuity work? The Panacea product, the too good to be true, the bad chicken dinner seminar, the good steak dinner seminar where you get the filet mignon.
Shootin’ It Straight with Stan®
May 22, 2024
How the Annuity Sausage is Made: Shootin' It Straight With Stan
Today's topic is a great one: How the Annuity Sausage Is Made. Now, I'm not going to go into the depths of the actuaries sitting in their closets, running the numbers, etc., but I'm going to give you the 30,000-foot view of how this all works, and it'll make sense to you once I get done.
Article
May 19, 2024
An Immediate Annuity Has Been Purchased With a Single Premium (SPIA)
Hi, I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Yes, we will talk about Single Premium Immediate Annuities, the granddaddy of all annuities, how that works, and why you might consider that for a lifetime income stream.
Article
May 16, 2024
Retirement Lifestyle: 3 Tips to Financially Care for Your Loved Ones
I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. What I'm doing is kind of answering the questions of how do I do this? How do I take care of my loved ones financially? Now, there's a myriad of ways to do that.
Shootin’ It Straight with Stan®
May 15, 2024
The Perfect Annuity Does NOT Exist: Shootin' It Straight With Stan
Today's topic is, the perfect annuity does not exist. It does not. Even though you might have heard something at the bad chicken dinner, expensive steak dinner seminar, or some online product presentation where it sounded too good to be true.
Article
May 13, 2024
MYGA: The Annuity Industry’s CD
The simplicity of the shirt is what we're going to be talking about today. The simplicity of Multi-Year Guarantee Annuities and how they work. And, by the way, Multi-Year Guarantee Annuities are the industry's version of a CD, a Certificate of Deposit.
Article
May 12, 2024
The Reality of Life With 20 Year Certain Annuities
Today's topic is one that I've wanted to do for a long time, and I got a call the other day that triggered it. The topic is the realities of life with a 20-year certain or joint life with a 20-year period certain, Immediate Annuity, or Deferred Income Annuity.
Article
May 9, 2024
Retirement Tips: How to Talk Annuities With a Spouse
Today's topic is interesting: how to talk to your spouse or partner about annuities and how to start telling them about contractual guarantees because most people, when you hear the word annuity, it either equals hate or it's a curse word.
