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052: Annuities and Inflation

“Fun with Annuities” The Annuity Man Podcast

Release Date: 04/13/2021

055: Gary Baker: The Annuity Data Maker show art 055: Gary Baker: The Annuity Data Maker

“Fun with Annuities” The Annuity Man Podcast

In this episode, The Annuity Man and Gary Baker discuss:  The pricing of lifetime income.  How mortality tables (life expectancy tables) work and function within annuities and life insurance.  The future of the annuity industry.  How Cannex works with carriers and some of the challenges with doing so.   Key Takeaways:  You buy a life insurance contract in the event that you die too soon, you buy an annuity in the event that you live too long. Annuity companies don’t give anything away. If you add things onto your contract (like cost of living adjustments or...

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052: Annuities and Inflation show art 052: Annuities and Inflation

“Fun with Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discusses:  The relationship between annuities and inflation.  Don’t believe the pitch, understand the contract.  How you do address inflation with annuities.  Laddering your annuities with staggered start dates.     Key Takeaways:  Interest rates do not have to go up, and there are arguments for both inflation and deflation.  There are no indexed annuities that are adjusted for inflation.  Any time an annuity pitch sounds too good to be true it is. Every single time.  Don’t worry about inflation -...

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051: Questions to Ask Your Advisor About Annuities show art 051: Questions to Ask Your Advisor About Annuities

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048: Best Type of Annuity for Retirement show art 048: Best Type of Annuity for Retirement

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In this episode, The Annuity Man discusses:  The different types of annuities and how they can work for you in retirement.  Understanding your specific goals and needs.  Customizing your annuity for your individual needs.  Combining an income floor with your social security.    Key Takeaways:  Upfront bonuses are just part of the contractual guarantee, not free money. Solve for the specific situation, no one annuity will fill every need.  If an agent is steering you to a one-product solution, you should be hesitant.  Lifetime income is primarily...

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047: Annuity News: Vanguard Annuities Now with Transamerica show art 047: Annuity News: Vanguard Annuities Now with Transamerica

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In this episode, The Annuity Man discusses:  The original purpose of a variable annuity.  The mess that has been caused by Transamerica now taking over these Vanguard annuities.  Being careful about companies offering upfront bonuses on annuities.   Holding on and not making rash decisions.    Key Takeaways:  Transamerica is the company that is now servicing all of the annuities that were purchased at Vanguard.  Annuity companies are more regulated than banks.  Don’t make rash decisions because you are having a hard time currently getting...

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046: 5 Choices with a FIA and Income Rider show art 046: 5 Choices with a FIA and Income Rider

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In this episode, The Annuity Man discusses:  How to know if you even need an annuity.  Shopping all carriers for your specific situation.  The 5 choices when you have a fixed index annuity with an income rider. Test-driving your annuity.    Key Takeaways:  There is no rush to buy an annuity, only to understand it.  You will never know the ROI until you die on an annuity. It is a lifetime income stream. Income riders are flexible, you can change your mind - you can do a contractual pivot.   "If you defer out, say another three or four years, the...

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More Episodes

In this episode, The Annuity Man discusses: 

  • The relationship between annuities and inflation. 
  • Don’t believe the pitch, understand the contract. 
  • How you do address inflation with annuities. 
  • Laddering your annuities with staggered start dates.  

 

Key Takeaways: 

  • Interest rates do not have to go up, and there are arguments for both inflation and deflation. 
  • There are no indexed annuities that are adjusted for inflation. 
  • Any time an annuity pitch sounds too good to be true it is. Every single time. 
  • Don’t worry about inflation - don’t worry about something you can’t control or quantify. 

 

"There are no annuities that address inflation properly. There is no annuity type that tracks inflation." —  Stan The Annuity Man 

  

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Website: TheAnnuityMan.com 

Email: [email protected] 

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YouTube: Stan The Annuity Man 

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