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Belt & Suspenders Annuity Strategies: Shootin' It Straight With Stan (TAM Classic)

“Fun With Annuities” The Annuity Man Podcast

Release Date: 04/02/2025

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“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discussed:  Preserving principal Matching products to time horizons Adapting to changing rates Prioritizing peace of mind   Key Takeaways:  The “never touch the principal” rule emphasizes generating retirement income from interest alone, keeping original capital intact for protection and legacy. CDs and treasuries are best for terms under three years, while MYGAs provide tax-deferral benefits and stronger returns for longer durations. High interest rates make this strategy attractive now, but if rates fall, retirees may need...

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In this episode, The Annuity Man discussed:  The value of annuities for lifetime income planning  Laddering strategy with annuities  Placing an annuity inside a trust    Key Takeaways:  When it comes to planning for lifetime income, annuities can be a valuable tool. However, it's essential to approach annuities with strategies that allow for flexibility and the ability to adapt to changing circumstances. By purchasing multiple annuities with different start dates, you can create a steady stream of income that aligns with your needs over time. This...

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In this episode, The Annuity Man discussed:  CDs and MYGAs I-bond no-brainer The safest product in principal protection  How safe are MYGAs?    Key Takeaways:  Here’s how CDs (Certificate of Deposit) work: you give the bank money, they protect the principal, and you don’t have to pay any fees. You can take the interest if you want to at the end of the term, and do what you want with your money. MYGAs are basically the annuity industry’s version of a CD.  Treasury bonds are a no-brainer. Go to treasurydirect.gov to buy them for yourself. The...

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In this episode, The Annuity Man discussed:  Annuities are contracts  How Indexed Annuities Should Be Used  Don’t buy an annuity for market returns    Key Takeaways:  To say that something is “guaranteed and backtested” means that there is nothing guaranteed at all. Annuities are contracts; buy them for what they will do and not what they might do.  Indexed Annuities have the potential to go down in value, but they can be used as an efficient delivery system for guaranteed lifetime income through an income rider attachment.  If you...

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In this episode, The Annuity Man discussed:  The four lifetime income products How annuities are priced  The simplicity of SPIA  Getting the highest guarantee    Key Takeaways:  There are four lifetime income products: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity Annuity Contracts, and Income Riders that can be attached to Variable Annuities and Indexed Annuities.  Annuities are priced primarily on your life expectancy at the time you start the payment. Interest rates play a secondary role.  Deferred...

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More Episodes

In this episode, The Annuity Man discussed: 

  • State guaranty funds 

  • The true safety of the industry 

  • Life insurance companies are more regulated 

  • Assigning unused money to beneficiaries

 

Key Takeaways: 

  • If you look at the state guaranty fund, each state has a specific rule in place to protect you and your money in case something happens to the carrier. 

  • You should be buying the claims-paying ability of the life insurance company from the standpoint of safety. The true safety of the annuity industry is the industry policing itself. 

  • Life insurance companies are not smarter than banks, they’re just more regulated. The company is handcuffed from making financially stupid decisions. 

  • You can structure an annuity so that 100% of any unused money goes to your family or beneficiaries. 

 

"You can protect yourself and your hard-earned money in a myriad of ways. You can protect it by buying very good companies, by buying underneath the state guarantee fund within your state, and by structuring the policy so that 100% of any unused money goes to your family or beneficiaries." —  Stan The Annuity Man. 

 

Connect with The Annuity Man: 

Website: http://theannuityman.com/ 

Email: [email protected] 

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!