Annuity Income: Return OF or ON Your Money?: Shootin' It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Release Date: 01/17/2024
Faith, Fiduciaries and Annuities: Fun With Annuities
“Fun With Annuities” The Annuity Man Podcast
When faith, trust, and money intersect, consumers can get hurt. In this episode, Stan the Annuity Man calls out prosperity gospel sales tactics, misused fiduciary labels, and explains how to protect yourself with contractual guarantees and a true second opinion. In this episode, The Annuity Man discussed: Definition and misuse of the “fiduciary” label Religion, churches, and faith-based annuity sales Prosperity gospel and financial product pitching Friends, family, and local agents selling limited annuity options The importance of second opinions and...
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Lifetime Income Backstops: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Think annuities mean your money disappears when you die? In this episode, Stan The Annuity Man breaks down lifetime income backstops and shows how to structure annuities so every penny is guaranteed to go to your beneficiaries—not the “evil annuity company.” In this episode, The Annuity Man discussed: Common misconceptions about lifetime income annuities Life-only annuities vs. annuities with backstops Single premium immediate annuities, deferred income annuities, and QLACs Cash refund, installment refund, and period certain structures Income riders on index and...
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Annuities Produce Fun Coupons: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
What if you treated every dollar as a “fun coupon” instead of something to hoard and stress over? In this episode, Stan The Annuity Man lays out how annuities can create guaranteed income, break the scarcity mindset, and give you permission to finally enjoy Chapter Two of your life. In this episode, The Annuity Man discusses: Money as “fun coupons” and winning the game Core purposes of annuities and principal protection Taxes, rich mindsets, and not over-optimizing Scarcity scars, personal hardship, and financial trauma Using guaranteed income to actually enjoy...
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Annuitization Sweeping the Nation: Fun With Annuities
“Fun With Annuities” The Annuity Man Podcast
Discover why annuitization has quietly powered lifetime income for over 200 years—and why it’s poised to “sweep the nation” as more Americans hit retirement age. In this episode, you’ll hear a no-fluff breakdown of how annuities really work, how they compare to Social Security, and how to secure chapter two of your life with guaranteed income. In this episode, The Annuity Man discussed: Historical roots of annuities and annuitization Annuitization as lifetime income and its connection to Social Security Impact of AI, medical advances, and longevity on annuity...
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What Are Life Insurance Death Bonds?: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Ever wondered what really happens when companies offer to “buy your life insurance policy” or your annuity payments? In this episode, Stan “The Annuity Man” pulls back the curtain on life insurance death bonds, secondary market annuities, and the ethical gray areas you need to understand before you cash out. In this episode, The Annuity Man discussed: Life insurance death bonds explained How companies buy life insurance policies and death benefits 1035 exchanges and moving life insurance cash value into annuities Secondary market annuities, structured...
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Is The IRS Living in Your Head Rent Free?: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Is the IRS living in your head rent-free? Stan the Annuity Man breaks down why tax obsession might be costing you more joy than dollars and what to focus on instead. In this episode, The Annuity Man discussed: Obsession with taxes and IRS rules Future tax rates, national debt, and policy uncertainty Roth conversions, rule changes, and break-even analysis QLACs, annuities, and tax-related product decisions Scars of scarcity, spending in retirement, and enjoying life now Key Takeaways: Letting tax fears dictate every financial and lifestyle decision can rob you...
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Carpe Annuity Dang Diem!: Fun With Annuities
“Fun With Annuities” The Annuity Man Podcast
What happens to annuity payouts when AI and medical breakthroughs start pushing life expectancy through the roof? In this episode, Stan reveals why current life expectancy tables are a one-time bargain and how to use them to your advantage. In this episode, The Annuity Man discussed: Carpe Annuity Diem and seizing today’s annuity opportunities Impact of AI and medical breakthroughs on life expectancy tables Building an income floor with Social Security, RMDs, and annuities Joint lifetime income for spouses and real-life lifestyle examples Mindset shift from accumulating...
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Women Rule the Annuity World Part 1: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Women are living longer, inheriting more, and increasingly driving the biggest decisions in retirement and legacy planning. In this episode, Stan “the Annuity Man” lays out why women truly rule the annuity world and how couples can proactively design lifetime income and legacy plans that actually work in “chapter two” of life. In this episode, The Annuity Man discussed: Women’s longevity and joint lifetime income annuities Planning the Baby Boomer wealth transfer Husbands’ responsibility for “chapter two” planning Lifetime income, risk reduction, and legacy...
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Carrier Ratings and State Guaranty Funds: Shootin’ It Straight With Stan
“Fun With Annuities” The Annuity Man Podcast
Think the state guaranty fund is your safety net? Stan pulls back the curtain on how these funds actually work, when they’ve stepped in, and why carrier quality and claims-paying ability matter even more. In this episode, The Annuity Man discussed: Understanding guaranty funds without relying on them Treating annuities as confidence-driven decisions Looking beyond ratings to real due diligence Prioritizing strength, scale, and scrutiny in carrier selection Key Takeaways: State guaranty funds provide limited protection, but they are not comparable to the FDIC...
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Decreasing Income Rider Teaser Rates: Fun With Annuities
“Fun With Annuities” The Annuity Man Podcast
Are annuity companies quietly setting you up for a pay cut in retirement? Stan “The Annuity Man” exposes the truth about decreasing income rider teaser rates and how to avoid a nasty surprise in year 11. In this episode, The Annuity Man discusses: Understanding income riders Choosing strong and reliable carriers Avoiding misleading teaser rates Prioritizing transparency and long-term thinking Key Takeaways: Income riders are built to provide lifetime income through contractual guarantees, not projections. They can be structured in different ways, but the...
info_outlineIn this episode, The Annuity Man discussed:
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Lifetime income and principal protection
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Return of your money
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Peeling of the interest to solve income needs
Key Takeaways:
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Annuities aren’t only for lifetime income, some products just protect the principal like a MYGA or a Fixed Annuity.
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With lifetime income, annuity companies are on the hook to pay a return OF your principal plus interest as long as you are breathing.
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Will peeling off the interest, never touching the principal, and getting a return ON your money solve your income needs? MYGAs give you the option to lock in interest rates for one year up to ten years.
"If you choose the return ON then all we're going to have to do at the end of the maturity of that MYGA is roll it to another MYGA and hope that rates are at a good level. If rates go down, we can always transfer that [MYGA] to an immediate annuity for lifetime income. So you can play both sides a little bit." — 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
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