034: Annuity Laddering Strategies: How They Actually Work
Fun With Annuities® - The Annuity Man Podcast
Release Date: 12/08/2020
Virtual Stanley & Anonymous Annuity Quotes: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
What if you could get annuity questions answered around the clock—and compare quotes without handing over your personal details? Stan shares how Virtual Stanley and anonymous quoting are designed to give consumers more access and control. In this episode, The Annuity Man discussed: Virtual Stanley and its content foundation Anonymous annuity quotes Online applications across carriers Contractual guarantees and the PIL framework Consumer-first technology in the annuity industry Key Takeaways: Evaluate annuities for their contractual guarantees,...
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Don’t Drink the Annuity Inflation COLA: Fun With Annuities
Fun With Annuities® - The Annuity Man Podcast
Can an annuity truly keep up with inflation—or is that just a sales pitch? Stan challenges common claims about COLAs and indexed annuities, and explains his approach to covering a specific income shortfall when it arises. In this episode, The Annuity Man discussed: Annuity COLAs and reduced starting payments Social Security’s cost-of-living adjustment Indexed annuities and income riders Personal inflation and income gaps Reverse-engineering quotes for needed income Key Takeaways: A lifetime-income increase through an annuity COLA comes with a...
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The 8th Wonder of the Annuity World: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
What if the cash sitting in your checking account could compound year after year without the IRS taking a cut of the interest every year? Stan, The Annuity Man, explains how Multi-Year Guarantee Annuities make that possible. In this episode, The Annuity Man discussed: The PILL framework: principal protection, income for life, legacy, long-term care MYGAs as the annuity industry's version of a CD Tax-deferred compounding for non-qualified money Taking interest out, turning it on and off, and moving to a new MYGA without paying tax Why MYGA rates can be higher than...
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There Are Only 2 Types of Annuity Rates: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
That 7.3% next to an immediate annuity isn't a yield. It reflects how long you're expected to live. In this episode, Stan explains why there are only two kinds of annuity rates, and why tracking the Fed won't help you get either one right. In this episode, The Annuity Man discussed: The PILL framework: principal protection, income for life, legacy, long-term care Payout rates and life expectancy in lifetime income products MYGAs as the annuity version of CDs and bonds Why the Fed and annuity rates don't always move together Shopping all carriers for the highest...
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Income Annuities: Wall Street’s Best Friend: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
Former Wall Street broker turned annuity evangelist, Stan the Annuity Man, argues the industry's most misunderstood product is actually the market's greatest ally. Lock in a guaranteed income floor, he says, and you'll never panic-sell your portfolio again. In this episode, The Annuity Man discussed: The income floor and non-correlated retirement income Four lifetime-income annuity types: SPIAs, DIAs, QLACs, income riders Why Wall Street resists annuities (wrap fees) Debunking the 4% rule Allocation limits, transparency, and anonymous quoting Key...
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How Will AI Affect Annuities?: Fun With Annuities (Encore Presentation)
Fun With Annuities® - The Annuity Man Podcast
Could living longer mean receiving lower annuity payments in the future? This episode explores how AI-driven medical breakthroughs could affect longevity, life expectancy assumptions, and lifetime income annuities. In this episode, The Annuity Man discusses: AI-driven medical breakthroughs and their potential impact on life expectancy How life expectancy tables factor into lifetime income annuity pricing Why current life expectancy assumptions may present an opportunity to lock in lifetime income Lifetime income products including SPIAs, DIAs, QLACs, and Income Riders ...
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Fixed Indexed Annuities Explained (Encore Presentation)
Fun With Annuities® - The Annuity Man Podcast
Upfront bonuses, free long-term care, unlimited market growth — if the annuity pitch sounds too good to be true, there's a reason. Here's how to spot it before you sign a 10-year contract. In this episode, The Annuity Man discussed: FIAs as CD products, not market products Principal protection and locked-in annual gains Caps, spreads, and renewal-rate discretion Deconstructing the four-part sales pitch Licensing gaps behind mis-selling Key Takeaways: It's a CD product, not a market product. These were built to compete with CD returns, bringing that...
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The 3 Phases of Income Rider Taxation: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
Tired of annuity hype, bonuses, and rosy projections? In this episode, Stan The Annuity Man breaks down the three phases of income rider taxation and shows why the real value of annuities doesn’t show up until your account hits zero. In this episode, The Annuity Man discussed: Contractual guarantees vs. hypothetical projections What income riders are and how they work The three phases of income rider taxation Solving for longevity risk and building an income floor How to evaluate annuities and run income rider quotes Key Takeaways: Annuities should be...
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I’m Your Annuity Life Coach & Annuity Oncologist: Fun With Annuities
Fun With Annuities® - The Annuity Man Podcast
In this solo episode, Stan The Annuity Man breaks down how to buy annuities the right way and why his no-data, real-time quote platform is changing the industry. In this episode, The Annuity Man discusses: Annuities as contractual guarantees, not hypothetical growth The “annuity life coach” and “annuity oncologist” mindset Anonymous, real-time quoting for SPIAs, DIAs, MYGAs, QLACs, and Income Riders Professional boundaries and no-pressure, no-outbound model Direct-to-consumer mission and cleaning up annuity industry “charlatans” Key Takeaways: ...
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Beware of the Fixed Index Annuity Bonus Churning Strategy: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
When an upfront annuity bonus looks too good to be true, it usually is—and the real cost can be buried in massive surrender charges and hollow promises. In this episode, you’ll hear a blunt breakdown of the fixed index annuity bonus churning strategy and how to protect yourself from it. In this episode, The Annuity Man discussed: Dangers of upfront bonuses in fixed index annuities How bonus churning and flipping annuities harm consumers Surrender charges and predatory sales practices Why contractual guarantees matter more than hypothetical growth Practical steps to...
info_outlineIn this episode, The Annuity Man discusses:
- Laddering for principal protection vs. Laddering for lifetime income.
- The customizable nature of laddering annuities.
- What is looked at and strategies for laddering depending on what you want the contractual guarantee to do.
- Addressing inflation.
Key Takeaways:
- There are no perfect answers, just really bad sales pitches. Nobody can predict where interest rates are going to go and if they say they can they’re wrong.
- MYGAs are regulated at the state level.
- It’s about life expectancy at the time you take the payment.
- You already own the best inflation annuity on the planet - and that’s Social Security.
"Immediate annuities or deferred income annuities can be structured to pay for a specific time, not just for life." — Stan The Annuity Man
Connect with The Annuity Man:
Website: TheAnnuityMan.com
Email: Stan@TheAnnuityMan.com
Book: SPIA Owner’s Manual
YouTube: Stan The Annuity Man