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.
August 4, 2022
How Much Do You Need To Pay Yourself With Inflation
So how much do you need to pay yourself? How much will an annuity for lifetime income pay using our calculators? Good question. So if you're looking for a monthly annuity calculator, what will an annuity pay me for life per month? How do I calculate that?
August 3, 2022
I Bond, No Brainer: Shootin' It Straight with Stan®
Today's topic is I bond, no brainer. Yes, I only sell annuities. Yes, I only sell annuities for their contractual guarantees. You own an annuity for what it will do. Not what it might do®. I used to be with Dean Witter and Morgan Stanley, UBS PaineWebber.
July 28, 2022
How To Get Out of a Fixed Annuity
So the question is, how to get out of a fixed annuity? The easy answer is to die, but that's not a very good strategy and undoubtedly not replicable. I love it when people use the word "annuity" as all-encompassing. There are so many different types. So let's just look at the fixed annuity types.
July 27, 2022
Limit to Annuity Purchases: Shootin' It Straight with Stan®
The topic is there's a limit to how many annuities you can buy. There's a limit to annuity purchases. You may say, "Wait a minute. You're saying that if I wanted to put everything I had in annuities you wouldn't make the transaction? You wouldn't sell it to me?
July 20, 2022
It's Time for A Financial Intervention: Shootin' It Straight with Stan®
The topic of the day, it's time for a financial intervention, or is it time for a financial intervention? I guess you have to ask yourself that question. I was on a phone call with a guy today and it was one of those things where I told him “You've already won the game, why are you still playing?”
July 19, 2022
Mr. FIA-X: The Truth About Current Fixed Index Annuities
Mr. FIA-X is one of the most popular guests on my Fun With Annuities podcast because he is an indexed annuity insider, truth teller, and factual flame thrower. He has unique and high-level insights into what’s happening in the FIA industry.
July 18, 2022
Single Premium Immediate Annuity Death Benefit (SPIA)
Today's topic is about Single Premium Immediate Annuity death benefits. The death benefits of an immediate annuity. There’s a lot of misinformation out there, as you can only imagine because people are... I read something the other day. It was from a really smart person.
July 14, 2022
How to Buy an Annuity – Setting Up Your Annuity Beneficiary
Today's topic is setting up those annuity beneficiaries, so when your Learjet hits the mountain, you make sure that the annuity company doesn't keep a penny, even though they're on the hook to pay for the contractual guarantee you put in place.
July 13, 2022
There's No Perfect Answers, Just Bad Sales Pitches: Shootin' It Straight with Stan®
In the annuity world, there are no good answers, just bad sales pitches. On the internet, you see things like, "Oh, get up to an 18% return with market protection, with principal protection." Give me a break.
July 7, 2022
How To Buy An Annuity: Start Here
I'm going to tell you why this one has been brought to the forefront for me to talk about how to buy an annuity, just the down and dirty basics of why we're doing this.When you see the MYGA feed on my site, I can sell that. I'm not saying you need an annuity, but understand that we sell them.