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Single life versus joint and survivor life annuity. That's what you're looking for, right? That's what I'm going to tell you about. Stan The Annuity Man, America's annuity agent, licensed in all 50 states. And I know my stuff, and I also know about this topic.

Hi, Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Today's question is a good one. "Hey, Stan, what's this exclusion ratio thing I've heard about? What's an exclusion ratio? Why are they excluding it? I don't want anything excluded. I want it all, Stan. I want it all with my annuity type." We're going to talk annuity types, about the exclusion ratio, how to look at that, and how to navigate my website.

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 a hot one. It got your attention, and you want to hope and believe it's true, and the topic is Annuity Income Increases for Inflation. Does that exist, Stan The Annuity Man?

Annuities are a bunch of products that have as much that are unalike as they are alike. Each one is a tool for particular kinds of people in particular kinds of life for different kinds of risk management.

Stan The Annuity Man, America's annuity agent, here to talk about those beloved Fixed Index Annuities that everyone loves to go to the bad chicken dinner seminars. And if it sounds too good to be true because it is.

What are we talking about today? Annuity examples, a Beginner's Guide to Annuities. There's so much misinformation, bad information, hucksters, sociopaths, sales pitch nonsense on annuities. It's time to get down to the basics. It's time to start talking about and building the foundation. Let's take an elementary look at annuities from the beginner's standpoint.

The question you're asking today, which is a good one, is can you change the beneficiaries of an annuity? I'm going to cover all types, but the short answer, which is what you want, is yes, you can. You can change the beneficiaries on the annuity. If your kid pisses you off, sorry for my French, you can take them off that annuity as a beneficiary.

Today's topic is, Do You Need to Be Sold or Told? One of the funny things about the annuity industry is that you'll hear people who think they're smart and the verbal jump ropers. A verbal jump roper is a person that any topic you bring up to them, they're the expert on. They just get in the jumper. They just start jumping in.

Boy, you must be angry. You pulled this one up. Are annuities a rip-off? "Come on, Stan, tell me the truth. Are annuities a rip-off? Are they ripping me off?" No, annuities are contracts. The rip-off comes on the sales pitch part, which we'll discuss, but annuities are not a rip-off. Annuities are transfer of risk contracts, period.

Hi there. Stan, The Annuity Man, America's annuity agent, licensed in all 50 states. What are the questions you ask yourself before you buy an annuity? What are the questions you ask yourself about annuities in general? I mean, do you need an annuity? Does an annuity fit? When you start considering annuities, what are those real questions that you need to ask to make a good decision whether an annuity type, and there are many types, is right for you.

Today's topic is retirement withdrawal strategies. We're talking about MYGAs, Multi-Year Guarantee Annuities. We will go through how you can use MYGAs for your retirement withdrawal strategies. That's kind of hard to say. Retirement withdrawal strategies. How about that?

Hi there, Stan, The Annuity Man, America's annuity agent, licensed in all 50 states. The question today is a really good one. Are annuities really guaranteed, Stan, The Annuity Man? You talk about contractual guarantees all the time. You talk about guarantees, guarantee this, guarantee that. Are they really guaranteed, and how are they guaranteed? Please tell us that Stan, The Annuity Man. I'm going to do that, thanks for asking.

So, you're interested in pension income streams. Aren't we all? Wouldn't you like to have a pension income stream? Unfortunately, most employers at this point don't provide that. They provide some type of 401(k) or 403(b) or something that allows you to grow money. But at the end of the day, when you get to the pre-retirement stage and see the finish line of all of this hard work, you need to understand how to create that pension income stream, right?

Today's topic is from a friend of mine, Michael Finke, smart guy in the room, the Mount Rushmore of smart guys. His face is on Mount Rushmore, Mount Annuitymore, Michael Finke. He's been on the podcast with me before, Fun With Annuities podcast. He is an intellect. He is a person that when he speaks in the annuity industry, as the old Paine Webber ad said, people listen.

Stan The Annuity Man, America's annuity agent, with a burning question, "Can you transfer an annuity to an IRA?" I will answer it very quickly, and then I can dig down into the question. The answer's maybe. How about that? Okay, I know you're mad at me because I answered the question with maybe. Can you transfer an annuity to an IRA? You can if the annuity is already inside of an IRA.