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The 2 Hidden Details of Income Riders: Shootin’ It Straight With Stan

Fun With Annuities® - The Annuity Man Podcast

Release Date: 11/01/2026

Have Your QLAC Cake & Eat the RMDs Too!: Shootin’ It Straight With Stan

Fun With Annuities® - The Annuity Man Podcast

Can a retirement strategy provide future lifetime income while reducing the amount used to calculate required minimum distributions? This episode explores how QLACs work, the trade-offs of delaying income, and the role of life expectancy in annuity payouts. In this episode, The Annuity Man discussed: QLAC basics and eligibility QLACs, RMD calculations, and taxes Joint lifetime income and beneficiary options Deferred income and payout timing Life expectancy tables and annuity pricing Key Takeaways: QLACs are presented as a way to turn eligible...

Prosperity Annuity Gospel Nonsense: Fun With Annuities

Fun With Annuities® - The Annuity Man Podcast

Can faith and financial advice be kept separate when someone you trust is selling you an annuity? This episode warns about high-pressure pitches that use religious connections to build trust—and urges consumers to scrutinize the product, not just the salesperson. In this episode, The Annuity Man discussed: Prosperity gospel claims and financial products Religious trust used in annuity sales Surrender charges and switching annuities Principal protection, returns, and bonus accounts High-pressure sales targeting vulnerable consumers Key Takeaways: A...

The 2 Hidden Details of Income Riders: Shootin’ It Straight With Stan

Fun With Annuities® - The Annuity Man Podcast

A big bonus can sound appealing—but does it mean a stronger lifetime income guarantee? This episode focuses on the two details Stan says matter most when comparing income riders: the age income starts and the payout rate. In this episode, The Annuity Man discussed: Income riders and lifetime income Starting age and payout rates Upfront bonuses and marketing claims Comparing carriers and illustrations Contractual guarantees versus adjustable index rules Key Takeaways: Compare income riders by the contractual lifetime income guarantee, not by bonus...

MYGA-2-SPIA…Income Rider…or DIA?: Shootin’ It Straight With Stan

Fun With Annuities® - The Annuity Man Podcast

Planning to turn savings into lifetime income later? This episode compares three strategies and argues for evaluating them by the contractual guarantees they provide—not by projected returns or sales pitches. In this episode, The Annuity Man discussed: The “PILL” purposes of annuities Questions to clarify income goals and timing Income riders and their contractual guarantees Deferred income annuities and QLACs MYGA-to-SPIA as a way to defer an income decision Key Takeaways: Start by defining what the money should contractually do and when the...

How Annuities Solve for Sequence of Lifestyle Risk: Fun With Annuities

Fun With Annuities® - The Annuity Man Podcast

Market swings can threaten more than a portfolio—they can affect the retirement lifestyle you’ve worked toward. This episode makes the case for an income floor as a way to help retirees stay steady through both market volatility and life’s changing stages. In this episode, The Annuity Man discussed: Sequence-of-returns risk and guaranteed income “Sequence of lifestyle risk” Social Security, pensions, and MYGAs Market volatility and avoiding panic selling Go-go, slow-go, and no-go retirement phases Key Takeaways: The episode argues that...

Income Uncertainty or Annuity Guarantees: Shootin’ It Straight With Stan

Fun With Annuities® - The Annuity Man Podcast

What does it mean to feel financially secure in retirement? Stan The Annuity Man argues that building a reliable income floor can help address the fear of outliving your money—and reduce reliance on market performance to cover essential expenses. In this episode, The Annuity Man discussed: Income uncertainty and the fear of outliving your money Building an income floor with Social Security, pensions, and annuities The difference between portfolio gains and contractually guaranteed income Choosing an income product by goal and start date Planning for a spouse’s...

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,...

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...

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...

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...

More Episodes

In this episode, The Annuity Man discussed:

Income riders and lifetime income
Starting age and payout rates
Upfront bonuses and marketing claims
Comparing carriers and illustrations
Contractual guarantees versus adjustable index rules

Key Takeaways:

Compare income riders by the contractual lifetime income guarantee, not by bonus size or product branding.
The age when income begins can materially affect the guarantee.
The payout rate is a key comparison point, even though it may receive less attention than bonuses.
Comparing multiple carriers can reveal differences in how they price clients in different age ranges.
Separate the income rider’s contractual guarantee from features of the underlying indexed annuity that the speaker says may be adjustable.

"Life insurance companies issue annuities. Annuities are policies. Policies are contracts." — Stan The Annuity Man

Connect with The Annuity Man:

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Email: [email protected]

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