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The 8th Wonder of the Annuity World: Shootin’ It Straight With Stan

Fun With Annuities® - The Annuity Man Podcast

Release Date: 10/04/2026

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What if the cash sitting in your checking account could compound year after year without the IRS taking a cut of the interest every year? Stan, The Annuity Man, explains how Multi-Year Guarantee Annuities make that possible.

  

In this episode, The Annuity Man discussed: 

  • The PILL framework: principal protection, income for life, legacy, long-term care

  • MYGAs as the annuity industry's version of a CD

  • Tax-deferred compounding for non-qualified money

  • Taking interest out, turning it on and off, and moving to a new MYGA without paying tax

  • Why MYGA rates can be higher than CD rates

 

Key Takeaways: 

  • Buy an annuity for what it will do, not what it might do. Annuities are contracts that shift risk to the insurer. They aren't tools for market growth.

  • CD and money market interest is taxed every year. MYGA interest in a non-qualified account grows and compounds with taxes deferred.

  • You don't have to take anything out when the term ends. You can move the money into another MYGA without paying tax, and it keeps compounding.

  • Need income for a while? You can take interest off the top and keep your principal, then switch the payments off when you no longer need them.

  • MYGA rates can beat CD rates because insurance companies back them with other profit centers. That doesn't make MYGAs better than CDs. It just makes them a strong fit for non-IRA cash.

 

"Multi-year guarantee annuities - it is the biggest no-brainer of all time and the greatest example of the eighth wonder of the annuity world, which is compound interest." —  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!