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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.
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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
February 26, 2024
Lifetime Income Annuity: Single Or Joint Life
Hello, Stan The Annuity Man, America's annuity agent licensed in all 50 states. That would include yours and yes, I do sell annuities, but only if they're appropriate and suitable. Let's talk about lifetime income annuities and whether you should set it up as single life or joint life. We're going to do that right now.
Article
February 25, 2024
The Truth About Hybrid Annuities
I'm so glad to be here today to talk about a topic that, when you saw it, you clicked it so hard, you might've broken the mouse or your touchpad or however you're doing it. You said, "Hybrid annuities? The truth about hybrid annuities? I've heard about hybrid annuities.
Article
February 22, 2024
Every American Already Owns an Annuity
Today, we are talking about everyone hating annuities. "I hate annuities, Stan. Do you see the ads? I hate all annuities." That's funny because every U.S. citizen with a Social Security number already owns an annuity. And I'm going to explain that today.
Shootin’ It Straight with Stan®
February 21, 2024
Annuities Can Have Flexible Income Start Dates: Shootin' It Straight With Stan
Today's topic is: Annuities Can Have Flexible Income Start Dates. A lot of people out there, when they talk about annuities, they think there's only one. "I won't buy an annuity because the annuity company keeps money when I die." That's one of 40 ways to structure it.
Article
February 18, 2024
Unlocking Annuity Guarantees for a Worry-Free Retirement
Today's topic is unlocking annuity guarantees for a worry-free retirement. We all want a worry-free retirement. In my opinion, the way to get a worry-free retirement is to have a lifetime income and enough money to live on without worry. That's what annuities can do for you.
Shootin’ It Straight with Stan®
February 14, 2024
Belt & Suspenders Annuity Strategies: Shootin' It Straight With Stan
Today's topic is a great one, coming from the deep south of where I grew up in Charlotte, North Cackalacky. North Carolina, actually, the town, seriously, and I'm not kidding, look it up, it's called Stanley, North Carolina, just like it sounds.
Article
February 12, 2024
What Does It Mean When You Annuitize an Annuity?
What does it mean when you annuitize an annuity? I'm going to tell you that, but not until I tell you who I am. I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. This is going to be a fun topic because annuities are fun. So, let's get into it.
Article
February 11, 2024
Does the 4 Percent Rule for Retirement Income Still Work?
Does the 4% rule still work for retirement income planning? We're going to talk about the 4% rule. We're going to talk about very smart people who have factually and academically destroyed it. And I can do that because I used to be on that side of the table.
Shootin’ It Straight with Stan®
February 7, 2024
Exchange Your Income Rider for a SPIA: Shootin' It Straight With Stan
Welcome to Shootin' It Straight With Stan. I am your host Stan The Annuity Man, America's annuity agent, licensed in all 50 states. I am so glad you joined me on this topic, which is a good one. And it came from my good friend, John Lenz. I call him the annuity architect.
