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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.
Shootin’ It Straight with Stan®
May 22, 2024
How the Annuity Sausage is Made: Shootin' It Straight With Stan
Today's topic is a great one: How the Annuity Sausage Is Made. Now, I'm not going to go into the depths of the actuaries sitting in their closets, running the numbers, etc., but I'm going to give you the 30,000-foot view of how this all works, and it'll make sense to you once I get done.
Article
May 19, 2024
An Immediate Annuity Has Been Purchased With a Single Premium (SPIA)
Hi, I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Yes, we will talk about Single Premium Immediate Annuities, the granddaddy of all annuities, how that works, and why you might consider that for a lifetime income stream.
Article
May 16, 2024
Retirement Lifestyle: 3 Tips to Financially Care for Your Loved Ones
I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. What I'm doing is kind of answering the questions of how do I do this? How do I take care of my loved ones financially? Now, there's a myriad of ways to do that.
Shootin’ It Straight with Stan®
May 15, 2024
The Perfect Annuity Does NOT Exist: Shootin' It Straight With Stan
Today's topic is, the perfect annuity does not exist. It does not. Even though you might have heard something at the bad chicken dinner, expensive steak dinner seminar, or some online product presentation where it sounded too good to be true.
Article
May 13, 2024
MYGA: The Annuity Industry’s CD
The simplicity of the shirt is what we're going to be talking about today. The simplicity of Multi-Year Guarantee Annuities and how they work. And, by the way, Multi-Year Guarantee Annuities are the industry's version of a CD, a Certificate of Deposit.
Article
May 12, 2024
The Reality of Life With 20 Year Certain Annuities
Today's topic is one that I've wanted to do for a long time, and I got a call the other day that triggered it. The topic is the realities of life with a 20-year certain or joint life with a 20-year period certain, Immediate Annuity, or Deferred Income Annuity.
Article
May 9, 2024
Retirement Tips: How to Talk Annuities With a Spouse
Today's topic is interesting: how to talk to your spouse or partner about annuities and how to start telling them about contractual guarantees because most people, when you hear the word annuity, it either equals hate or it's a curse word.
Shootin’ It Straight with Stan®
May 8, 2024
The Cost of Waiting to Purchase an Annuity: Shootin' It Straight With Stan
Today's topic is the cost of waiting to purchase an annuity. Now I know what you're saying. Wait a minute. That sounds like a sales pitch. That sounds like some type of an angle for me to buy now, Stan. Are you pushing me to buy now?
Podcast
May 7, 2024
Steve Parrish: Rational and Phased Retirement Planning (TAM Classic)
Retirement is not just an event, it’s a change in life. Think of the behavioral and emotional aspects of it, not just the money. But when it comes to money, keep these three things in mind: your social security, medicare, and your benefit pension plan.
Shootin’ It Straight with Stan®
May 1, 2024
Always Reverse Engineer Annuity Income Quotes: Shootin' It Straight With Stan
Today's topic is always reverse engineer annuity income quotes. "What do you mean by reverse engineer, Stan? You do not look like an engineering student or someone who could major in engineering."
