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Flexible Annuity Start Dates Explained: Shootin' It Straight With Stan

“Fun With Annuities” The Annuity Man Podcast

Release Date: 07/16/2025

The 3 Annuity Strategies for Principal Protection: Shootin' It Straight with Stan

“Fun With Annuities” The Annuity Man Podcast

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 only...

The 3 Annuity Strategies for Principal Protection: Shootin' It Straight with Stan

“Fun With Annuities” The Annuity Man Podcast

How to Reverse Engineer Annuities to Fight Inflation: Shootin' It Straight With Stan

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discussed: Products that adjust for inflation Thinking rationally about inflation Reverse-engineering annuity Key Takeaways: Many bad sales pitches out there mention a way to beat inflation using indexed products that adjust for inflation. What really happens is that the annuity company severely lowers the initial payment to make up for any potential increase. Think rationally about inflation. It’s customizable to everybody, meaning not everyone is affected the same way. Some are not even affected at...

Searching for Growth or Guarantees? Shootin' It Straight With Stan

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discussed: Threading the needle with volatility Freedom from volatility Annuities are the haystack Time to secure guarantees Key Takeaways: Threading the needle to get market returns makes you dependent upon so much unknown. You’re dependent on world markets, geopolitical events, and meltdowns that are impossible to predict. A lot of people can retire from their jobs and the market, and they should; those who can’t yet should make it a goal to do that and be free from being dependent on volatility. ...

Don’t Fall for Hypothetical Annuity Returns: Shootin' It Straight With Stan

“Fun With Annuities” The Annuity Man Podcast

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...

Flexible Annuity Start Dates Explained: Shootin' It Straight With Stan

“Fun With Annuities” The Annuity Man Podcast

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...

Annuities For A 9-Year Old: Shootin' It Straight With Stan (TAM Classic)

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discussed: Buying an annuity that you understand Annuities aren’t one-size-fits-all How to know if you understand a product Key Takeaways: When buying an annuity, remember that if a product sounds too good to be true, it is every single time. Some annuities are more complex, and most agents cannot explain them well, let alone even comprehend them themselves. Currently, the annuity industry has an unbalanced way of compensation for different types of products. Agents get a higher commission for selling a...

Annuity Horror Stories Debunked: Shootin' It Straight With Stan

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discussed: Why do agents tell stories? Protecting yourself from bad pitches Don’t listen to these stories The only two important questions Key Takeaways: In sales, managers will often tell their people that stories sell and that they do, so you have to watch out for hypotheticals, testimonials, and anecdotal “evidence.” Here’s how you can protect yourself from liars who’d sell you stories: write down their sales pitch exactly as they said it and how you understood it. Sign and date it at...

Planning Lifetime Income for Your Spouse: Shootin' It Straight With Stan (TAM Classic)

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discussed: Annuities for your spouse and loved ones Throwing darts at death Planning for cognitive decline Filling in financial gaps Key Takeaways: Using a trust, you can set up an immediate annuity purchase to trigger when you pass away to provide lifetime income for your spouse using a designated lump sum. You can use annuities to lovingly handcuff your young beneficiaries, providing them with guaranteed income instead of a lump sum. Buying an income rider, deferring it out, and setting it up as a...

Ventilator Annuity Lifetime Income: Shootin' It Straight With Stan (TAM Classic)

“Fun With Annuities” The Annuity Man Podcast

In this episode, The Annuity Man discussed: Solving for longevity risk Four products for lifetime income Focusing on guarantees Key Takeaways: There is no ROI until you die. Up until then, it’s a transfer of risk to the annuity company to solve for longevity risk. The longevity risk is the fear that you’ll outlive your money. An annuity will pay as long as you’re breathing, even if you are on a ventilator. The annuity industry has four major types: Single Premium Immediate Annuities, Deferred Income Annuities, Qualified Longevity...

More Episodes

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 Income Annuities are, in essence, just a Single Premium Immediate Annuity that is deferred past a year. A SPIA has no moving parts, no market attachments, and no annual fees. It is a straight transfer of risk.
The highest possible payments you can have from an annuity are from a life-only annuity. This is the annuity for people who don’t want to give to any beneficiaries. Companies often issue these without the option to change the start date, but you can change the start date if the contract has a cash refund or period certain attached to it.

"That income for life transfer risk strategy with annuities, typically four primary types SPIAS, DIAS, QLACs, and Income Riders. We can structure it so that you have the ability to pivot and change that income start date." — 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

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