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10 Percent Free Withdrawal Annuity Nonsense: Shootin’ It Straight With Stan

“Fun With Annuities” The Annuity Man Podcast

Release Date: 04/05/2026

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In this episode, The Annuity Man discussed: 

  • Understanding that “free withdrawals” come at a cost

  • Recognizing misleading annuity sales claims

  • Focusing on purpose before choosing a product

  • Prioritizing guarantees and long-term impact

 

Key Takeaways: 

  • The 10% withdrawal feature is not a bonus but access to your own money. Taking withdrawals reduces key benefits like lifetime income, death benefits, and overall contract value.

  • Phrases like bonuses, free withdrawals, and market upside with no downside can be misleading. These features are often part of the contract structure and not true added value.

  • Annuities should be selected based on clear goals, such as when you want income to start and what guarantees you need. The product should match the purpose, not the sales pitch.

  • Every decision, especially withdrawals, affects the contract’s guarantees. Understanding these tradeoffs upfront is essential to protecting long-term financial outcomes.

 

"Upfront bonus is candy for the stupid. There's nobody giving money away at an annuity company… It's a teaser to get you involved." —  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!