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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
July 7, 2024
Annuity Payout Rates vs. Interest Rates
Today's topic is a very good one and important. Annuity rates versus payout rates. Is there a difference, Stan? You're darn right there's a difference. You know what else is different? This really smooth Adidas T-shirt that I got from my PR team.
Article
July 1, 2024
Retirement Expert Rant: What I Love About MYGAs
Today's topic is what I love about MYGAs, Multi-Year Guarantee Annuities. Yes, I'm wearing the "I Heart Annuity Haters" shirt today. People love it. Well, a lot of people say, "I hate all the annuities, Stan. I hate them because this guy said it in a print ad." Come on, man.
Shootin’ It Straight with Stan®
June 26, 2024
Defer 2 SPIA (MYGA-2-SPIA): Shootin' It Straight With Stan (TAM Classic)
Today's topic is a very good one, and unfortunately, it's a unique one for the annuity industry, but hopefully, this strategy will spread like wildfire across the fruited annuity plane.
Article
June 23, 2024
How Do Annuity Payouts Work? (TAM Classic)
Hi there. Stan The Annuity Man, American's annuity agent licensed in all 50 states. Today's question is a great one: How do annuity payouts work? Hey, Stan, I thought all annuities were the same. Hey, Stan, this guy on television said, "I hate all annuities."
Article
June 20, 2024
Is an Indexed Annuity Fixed or Variable?
The question today is, is an Indexed Annuity fixed or variable? Short answer, fixed, but there's a lot more to it than just that. What I would like to do is go through what a fixed indexed annuity, Indexed Annuity, and a Variable Annuity are and tell you the differences between both.
Shootin’ It Straight with Stan®
June 19, 2024
Annuity Fancy or Annuity Contractual?: Shootin’ It Straight With Stan
Today's topic is this question: annuity fancy or annuity contractual? Now, there are many types of annuities. You already own one. It's called Social Security. It's the best inflation annuity on the planet.
Article
June 17, 2024
Do Annuity Companies Keep the Money When I Die?
Today's question is, do annuity companies keep the money when you die? I always get this question and the statement, "I'd never buy an annuity because they keep the money. I don't like that." Well, I blame the annuity industry for that phrase.
