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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.
Shootin’ It Straight with Stan®
May 8, 2024
The Cost of Waiting to Purchase an Annuity: Shootin' It Straight With Stan
Today's topic is the cost of waiting to purchase an annuity. Now I know what you're saying. Wait a minute. That sounds like a sales pitch. That sounds like some type of an angle for me to buy now, Stan. Are you pushing me to buy now?
Podcast
May 7, 2024
Steve Parrish: Rational and Phased Retirement Planning (TAM Classic)
Retirement is not just an event, it’s a change in life. Think of the behavioral and emotional aspects of it, not just the money. But when it comes to money, keep these three things in mind: your social security, medicare, and your benefit pension plan.
Shootin’ It Straight with Stan®
May 1, 2024
Always Reverse Engineer Annuity Income Quotes: Shootin' It Straight With Stan
Today's topic is always reverse engineer annuity income quotes. "What do you mean by reverse engineer, Stan? You do not look like an engineering student or someone who could major in engineering."
Article
April 28, 2024
Are Fixed Index Annuities for You?
Today’s topic is going to inform a lot of people. It's going to save a lot of people from bad decisions. Hopefully, it will help the industry. I like doing that because this product is causing some issues. And the topic is, Are Fixed Index Annuities for You?
Shootin’ It Straight with Stan®
April 24, 2024
Keep Your Powder Dry Annuity Income Planning: Shootin' It Straight With Stan
Today's topic is a very good one, as usual. It's called Keep Your Powder Dry Annuity Income Planning. One of the biggest fallacies in the annuity land is people getting different information on the internet or from their advisors who know nothing about annuities.
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Article
April 22, 2024
Should I Take a Pension Lump Sum or Annuity?
Should you take a pension lump sum or an annuity? I'm assuming that you've been offered that. You have reached the finish line, you're going to retire, and you need to decide which is best and if an annuity outside, like on the street, is better for you and what probably most agents are telling you to do.
Article
April 21, 2024
How Annuities Can Help Achieve Your Retirement Goals
Today's topic is a good one. That's the reason you clicked it, right? How annuities can help you achieve your retirement goals. Easy for me to say. Now, for all you haters who clicked it and said, "That's not happening with me, man. That's not going to happen." It's already happening, player.
Article
April 18, 2024
Deferred Income Annuity Definition
Today, we are discussing Deferred Income Annuities. What's the definition of a Deferred Income Annuity? Some people call them longevity annuities because they solve for longevity risk. What longevity risk really means is not outliving your money, and that's what a Deferred Income Annuity does.
Shootin’ It Straight with Stan®
April 17, 2024
There’s NO Annuity Sweet Spot to Purchase: Shootin' It Straight With Stan
Today's topic is a very, very important one, not only for the consumer but also for the annuity industry. The topic is: there is no sweet spot for annuity purchases. There's no perfect time to buy one.
