Having Annuity Companies Buy Bonds for You: Shootin' It Straight with Stan
Fun With Annuities® - The Annuity Man Podcast
Release Date: 05/04/2022
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...
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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...
info_outlineIn this episode, The Annuity Man discussed:
- How annuity companies buy bonds for you
- Accessing industrial-grade bonds
- Interest rates play a secondary role
- Potential or contractual increases
Key Takeaways:
- You can’t open an account with an annuity company and have them buy bonds for you, but when you sign a contract for an annuity they’ll buy bonds on your behalf to support the lifetime income they’ll be dishing out for you.
- Annuity companies have access to industrial-grade bonds that regular individuals don’t. That means they get the best of the best when it comes to investments.
- When you are talking about a lifetime income stream the primary pricing mechanism is your life expectancy at the time you start the payments. Interest rates play a secondary role.
- Anytime anyone says that the income stream is increasing with inflation, that means that the annuity company is lowering that initial payment to make up for that potential or contractual increase.
"When you’re buying lifetime income, you’re literally saying to the annuity company ‘I’m gonna piggy back on your institutional access to bonds and you’re gonna buy the bonds for me and you’re gonna do a better job buying the bonds than I could as an individual and because of that… the lifetime stream’s gonna be better." — Stan the Annuity Man.
Connect with The Annuity Man:
Website: http://theannuityman.com/
Email: Stan@TheAnnuityMan.com
Book: Owner’s Manuals: https://www.stantheannuityman.com/how-do-annuities-work
YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g
Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!