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.
October 22, 2023
Income Annuity Estimator for Immediate or Deferred Income Annuity
You're looking for an income annuity estimator for Immediate and Deferred Annuities. I'll do you one better. How about calculators that will give you down to the penny, the contractual guarantee of the policy, and finding the best contractual guarantee for your specific situation. Oh my goodness, that's exactly what you were looking for.
October 19, 2023
How To Set Up Your Own Pension
The question is, how do I set up a pension income? It is a really good one because with 10,000 baby boomers retiring every day, a chief demand I get is, "How do we set up this pension income? We need more income guaranteed like Social Security." That's what annuities do, and we will talk about that.
October 18, 2023
Is It a Good Time to Buy an Annuity?: Shootin' It Straight With Stan
Today's topic is a good one and a question that I always get, so let's address that now. Is it a good time to buy an annuity? Now, that's a loaded sales question. Most salespeople are an automatic yes, "Yes, it's a great time to buy an annuity. My annuity, the one I like." But it's bigger than that.
October 16, 2023
Guaranteed Lifetime Income Products
Hi, I'm Stan The Annuity Man, America's annuity agent. You own an annuity for what it will do, not what it might do. You own it for the contractual guarantees only. Never buy an annuity for the hypothetical, theoretical, back tested, projected, agent hopeful return scenarios, meaning juice numbers, because that never happens.
October 15, 2023
Financial Strength Ratings – When High Rankings Don’t Matter
Financial strength ratings when high rankings don't matter when it comes to annuities. Hi there. I'm Stan The Annuity Man, America's annuity agent licensed in all 50 states. We will talk about annuity ratings, financial strength, and how to determine and look at those so you can make an informed decision on your terms and timeframe.
October 12, 2023
Comparing Deferred Income Annuities
How do you compare Deferred Income Annuities? Well, the short answer is I want you to stay through the whole blog, but the short answer is you have to quote all carriers because Deferred Income Annuities are like all annuities; they're commodity products. It's very competitive out there. Quotes change, so you must quote all carriers and be specific about what you're trying to achieve.
October 11, 2023
Ventilator Annuity Lifetime Income: Shootin' It Straight With Stan
Welcome to Shooting it Straight with Stan. I am your host Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Today's topic is a good one. It's the reason you clicked because you read it and you went what? Ventilator annuity lifetime income.
October 10, 2023
Stan The Annuity Man: The Only Thing Complex About Annuities Are the Sales Pitches
This is a simple, simple industry with simple, simple solutions. The people that are making it complex are the agents and advisors selling the products in a complex way, instead of stripping it down to the basics.
October 9, 2023
Can You Buy an Annuity Inside an IRA?
Today, we will discuss whether you can buy an annuity inside your IRA. Many people are out there who, when they hear that, just go crazy and say, "You should never buy an annuity inside of an IRA." That's just complete and utter garbage. And you can take this blog and shoot it to your financial advisor if they're the ones who said that.
October 8, 2023
Annuity in Financial Management
Hi there. Stan The Annuity Man. Americas annuity agent licensed in all 50 states, talking about annuities or annuities in financial management, annuities in your financial plan, and annuities in your financial portfolio. Does it fit? Why does my master of the universe, stockbroker, wealth architect person almost do a projectile vomit when you bring up an annuity?
October 5, 2023
Are Hybrid Annuities Too Good to Be True?
Now, what you're looking at today and the reason that you clicked this blog, Are Hybrid Annuities Too Good to Be True? First, because you're using the word hybrid, you typed in the word hybrid, and it attracted you, which only means one thing. It means that some agent, some advisor, has pitched you what they're pitching you as an Indexed Annuity.
October 4, 2023
Reverse Engineer Annuities for Inflation: Shootin' It Straight With Stan
Today's topic is Reverse Engineer Annuities for Inflation. This is a big one because there are a lot of bad sales pitches out there, especially in the index market, index annuity market, where they have the index annuity that is just for inflation, which is garbage. There's not an annuity company in the world that has that product.
October 2, 2023
Are All Annuities Tax Deferred?
The question of the day is, are all annuities tax-deferred? Short answer: no. But we need more than that, right? You need more than just the no. You need to know the details of all that. So, hang in there with me, and I'm going to go through all of that in detail so you can fully understand what tax-deferred means.
September 28, 2023
Single Premium Immediate Annuity Quotes
Let's talk about Single Premium Immediate Annuities in general. Pension annuities started in the Roman times. Yes, the Roman times. That's how old they are. They're transfer risk products, and they're based on your life expectancy at the time you take the payment. It's not interest rate driven.