042: MYGA Secrets You Need to Know
Fun With Annuities® - The Annuity Man Podcast
Release Date: 02/02/2021
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...
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Do Not Fund Your Agent’s Incentive Trip: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
In this episode, Stan The Annuity Man pulls back the curtain on how annuity incentive trips can quietly distort recommendations—and how to protect yourself from funding your agent’s next vacation. Discover why focusing on contractual guarantees, not sales gimmicks, is the only way to buy annuities on your terms. In this episode, The Annuity Man discussed: Incentive trips and conflicts of interest in annuity sales Fiduciary mindset and putting client interests first Why annuities should be evaluated by contractual guarantees only Using online tools to compare...
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Are You Surfing Beside a Stock Market Cruise Ship: Fun With Annuities
Fun With Annuities® - The Annuity Man Podcast
Are you “surfing beside a cruise ship” in today’s all‑time‑high stock market, hoping you don’t get sucked under when the next downturn hits? In this solo episode, Stan the Annuity Man breaks down how to use annuities to lock in lifetime guarantees, build an income floor, and stop confusing a bull market with financial genius. In this episode, The Annuity Man discussed: Current stock market euphoria and AI-driven highs The “surfing beside a cruise ship” risk metaphor What annuities are actually good for (PILL framework) The annuity industry’s monopoly on...
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Real Market Growth Has No Surrender Charges: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
Real market growth never comes with surrender charges—and if it does, you’re not really in the market. In this episode, Stan The Annuity Man tears apart “too good to be true” annuity pitches and shows you how to separate true contractual guarantees from sales hype. In this episode, The Annuity Man discussed: Real market growth vs surrender charges Proper role of annuities and contractual guarantees Index annuities and income riders as delivery systems The PILL framework for what annuities actually solve Anonymous quote tool and consumer-first annuity...
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Stacking Income for Chapter 2: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
Retirement isn’t the end of your story—it’s Chapter Two, and it’s all about stacking reliable income so you can actually live the life you’ve worked for. In this episode, you’ll learn how to build a non‑market‑correlated income floor using annuities and other guarantees so you never outlive your paycheck. In this episode, The Annuity Man discussed: Defining “Chapter Two” and the three phases of retirement The concept of an income floor and non‑correlated income sources Why annuities have a monopoly on lifetime income (and why people still hate...
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The Bell Doesn't Ring at the Top or the Bottom: Fun With Annuities
Fun With Annuities® - The Annuity Man Podcast
In this solo episode, Stan, The Annuity Man, explains why trying to “time” annuities is a losing game—and how focusing on simple, contractual guarantees can transform your retirement income. If you’ve ever wondered whether to wait for better rates or turn on your income now, this breakdown will challenge your assumptions and put lifestyle back at the center of your planning. In this episode, The Annuity Man discussed: Why the “bell doesn’t ring” at the top or bottom in markets or annuities MYGAs and locking in fair contractual guarantees Lifetime income...
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Chat With Me or ChatGPT: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
AI can scrape the internet, but it can’t customize your retirement or take responsibility for your annuity decisions. In this episode, Stan breaks down why you should never outsource your annuity strategy to ChatGPT—and what to do instead. In this episode, The Annuity Man discussed: AI vs. human advice in the annuity world Risks of relying on ChatGPT for annuity research Customizing annuity contractual guarantees How AI supports back-end operations in his business Vision for a tech-forward, pro-consumer annuity platform Key Takeaways: AI tools like...
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MYGAs Are Annuity Bonds: Shootin’ It Straight With Stan
Fun With Annuities® - The Annuity Man Podcast
Multi-year guarantee annuities (MYGAs) might be the most overlooked “bond alternative” in your retirement plan. In this episode, you’ll hear a Wall Street bond veteran break down why MYGAs behave like annuity bonds, how he personally uses them, and why guarantees—not hope—should be paying your bills. In this episode, The Annuity Man discussed: Background in Wall Street bond management What MYGAs are and how they compare to CDs and bonds Personal portfolio strategy using MYGAs as “annuity bonds” Tax deferral, rollovers, and legacy considerations with...
info_outlineIn this episode, The Annuity Man discusses:
- What a MYGA (Multi-year Guaranteed Annuity) is.
- The negatives to a MYGA.
- The length of time on a MYGA term.
- The hidden secrets of a MYGA.
Key Takeaways:
- Multi-year guarantee annuities and fixed indexed annuities are both CD products.
- Interest rates do not have to go up, there is a good argument for them to go to zero (even if we hope it doesn’t).
- If you get to the end of your surrender term, you can then transfer it to another MYGA and keep pushing the tax puck down the ice.
- There is no urgency to own an annuity, the only urgency is to understand it.
"If you like simplicity, if you like short term, if you like understanding what you own, a MYGA is your product." — Stan The Annuity Man
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Email: Stan@TheAnnuityMan.com
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YouTube: Stan The Annuity Man