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.
September 27, 2023
Income Riders vs. DIAs: Shootin' It Straight With Stan
Today's topic is a very, very good one. It is timely and one you need to pay attention to for sure. Income Riders versus DIAs, Deferred Income Annuities, which one is better? Now, if you go to the bad chicken dinner seminar, expensive steak dinner seminar, or shopping locally for annuities, in most cases, you're only going to be shown Income Riders attached to Indexed Annuities.
September 26, 2023
Bill Black: Life Insurance Facts You Need to Know Now
Bill Black is the President of W.H. Black and Company and has been in the pension administration business for over 40 years. He is also responsible for the marketing efforts of PensionSpecialist.net – a full-service pension administration company that helps advisors nationally with the sale and administration of qualified pension plans.
September 25, 2023
What Does Life Annuity With Period Certain Mean?
What are we here for? We're here to talk about Immediate Annuities, life with a period certain. What does life with a period certain mean? It sounds crazy and kind of complicated. It's really not. I'm going to explain it and dig a bit deeper.
September 24, 2023
Annuity Alternatives: How to Know Which Retirement Track Is Right for You
How do you know which retirement track, decision, or product is right for you? What are the annuity alternatives for that? And let's stop right there. Annuities aren't for everyone. Even though every single person watching this video who's a US citizen with a Social Security number already owns the best inflation annuity on the planet called Social Security.
September 21, 2023
Retirement Withdrawal Strategy: Income Riders
We're talking about retirement withdrawal strategies or strategies using Income Riders. So we're going to talk about how Income Riders work, where they're attached to, what products use Income Riders, what you should know, what is good and bad about Income Riders, the limitations, the benefits, what I call the asterisk, the things that not anybody knows.
September 20, 2023
Start Acting Annuity Rich (Wear a Suit!): Shootin' It Straight With Stan
Today's topic is a really good one, and I want you to listen because I'm talking to most of you out there, and it's called Start Acting Annuity Rich. Now, all of you out there, "Well, Stan, I'm not rich. I'm not rich. I'm just telling you I'm not rich." I'm telling you, you are compared to the vast majority of Americans.
September 18, 2023
Long-Term Care Annuity Pros and Cons
Hey, Stan The Annuity Man, America's annuity agent here with you to talk about a subject that I know you're sitting there going, "Oh, I don't even want to talk about this," but I'm glad you did. I'm glad you clicked on this blog. Today, we will talk about long-term care annuity pros and cons.
September 17, 2023
Annuities vs. CDs
Let's talk about annuities versus CDs. Annuities, you can't say annuities. It's like saying restaurants. Okay? It's like saying trucks. It's like saying shoes. Annuities have many different types. But let's talk about the type you can compare to a CD. The annuity industry has its own version of its CD. It's called a Multi-Year Guarantee Annuity. MYGA is the acronym.
September 14, 2023
How Is a Non-Qualified Annuity Taxed?
Let's talk about how non-qualified annuities are taxed. I'll give you the 30,000-foot view from the B-2 bomber. But you got to come down here to the fighter pilot, and that's the tax lawyer, when you get down to the end, and you're trying to make a decision. So, we will cover all that and all types of annuities in a non-qualified account.
September 13, 2023
Traditional or Reverse MYGA Ladder Strategies: Shootin' It Straight With Stan
Welcome to Shooting it Straight with Stan. I'm your host Stan The Annuity Man, America's annuity agent licensed in all 50 states. Today's topic is 'Traditional or Reverse MYGA Ladder Strategies', so traditional laddering strategies with MYGAs or reverse MYGA strategies. I'm going to explain both.
September 11, 2023
Life-Only Immediate Annuity Definition
Stan The Annuity Man, America's annuity agent is here to answer the burning question because everyone thinks every annuity is like this. What's the definition of a life-only annuity? That's the call I get from everyone who says, "I'd never buy an annuity because when I die, the annuity company keeps the money."
September 10, 2023
What Is a Non-Qualified Annuity?
What is a non-qualified annuity? It's an excellent question. When I do annuity edutainment, as you're reading right now, I'm going to break it down into English that we all understand because I'm from the South, and we speak very plain English here even though we talk with a little twang. Nothing wrong with that.
September 7, 2023
Is a Pension the Same as an Annuity?
Stan The Annuity Man here excited to answer this question. Is a pension the same as an annuity? Yeah, pretty much because what they both do is provide a lifetime income stream that you cannot outlive. So, for all the haters out there that hate annuities, "I hate annuities, all annuities stink, all annuities," whatever. Then you need to also say, "I hate my pension.”
September 6, 2023
Create Your Own Pension: Shootin It Straight With Stan
Today's topic, Create Your Own Pension. And yes, I'm talking to you, that person out there that doesn't have a pension, or the person that has a pension and wants more money, or all of you out there that already have a pension, and it's called Social Security, the best inflation annuity on the planet.
September 4, 2023
Annuity Comparison: SPIA vs. DIA
Today, we're going to talk about annuity comparisons. SPIAs versus DIAs. Immediate Annuities versus Deferred Income Annuities. Explain them both to me, Stan The Annuity Man. What's the difference? How do I use them? Should I use them? Should I have them? We will discuss all of that.