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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
March 21, 2024
What Happens When an Annuity Owner Dies Before Annuitization?
So, what happens when an annuity owner dies before annuitization? It's a sad thought. Hi, I'm Stan the Annuity Man. Typically I'm bouncing off the walls, I'm happy, but we're talking about death, so I'm just going to bring it down a little bit.
Shootin’ It Straight with Stan®
March 20, 2024
Your Retirement Plan Is Not an Annuity Game: Shootin’ It Straight With Stan
Today's topic is a good one. Listen up, lean in, get comfortable, and grab a coffee because what we will talk about is your retirement plan is not an annuity game. There are a lot of people in the annuity industry who are just looking for nails, and they're the hammer.
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Article
March 17, 2024
How Much Do You Really Need to Retire?
Today's topic is how much do you need to retire? In this case, we're talking about money, but I will cover other things because that's what I do. I can free form this, but how much money do you need to retire? I'm going to tell you how to do that. It's very simple.
Shootin’ It Straight with Stan®
March 13, 2024
Annuity Decisions Should Be Simple & Contractual: Shootin' It Straight With Stan
Today's topic is Annuity Decisions Should Be Simple and Contractual. They have to be both. They can't be one or the other. They got to be both. And let me explain that to you.
Article
March 11, 2024
How I Really Feel About Indexed Annuities
Index Annuities are contracts; we will go over the details of Index Annuities. You're going to hear about how I really feel about Index Annuities. That is guaranteed. The other thing guaranteed is that I will tell you the brutal truth about what they are.
Shootin’ It Straight with Stan®
March 6, 2024
Annuities Will Do What You Contractually Need: Shootin' It Straight With Stan
Today's topic is a very good one and one that I want to stick in the back of your head, your cerebellum, whatever that is. I want it to be what they say in the music industry, an earworm, meaning it's just stuck in there.
Article
February 29, 2024
State Law: Is There a Free Look Period for Annuities?
Can you get out of an annuity once you buy it? Is there a provision for you to reverse the mistake you think you've made? Good question and I will explain today the free look time periods for annuities regulated by the states.
