297 episodes

Fun With Annuities® Podcast is hosted by America’s Annuity Agent, Stan The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle. Listen in on how you can be livin’ the reality, not the dream.

“Fun With Annuities” The Annuity Man Podcast The Annuity Man

    • Business
    • 4.6 • 43 Ratings

Fun With Annuities® Podcast is hosted by America’s Annuity Agent, Stan The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle. Listen in on how you can be livin’ the reality, not the dream.

    Understanding Annuity Payout Options - Shootin' It Straight with Stan (TAM Classic)

    Understanding Annuity Payout Options - Shootin' It Straight with Stan (TAM Classic)

    In this episode, The Annuity Man discussed: 
    Annuities are customizable 
    An example of life with cash refund 
    What does it mean to get a joint-life policy
    Options and choices when getting an annuity 
     
    Key Takeaways: 
    A life-only contract means that the annuity company is on the hook to pay as long as you’re breathing, but the money goes away when you die. 
    Life with cash refund means that you get paid while you’re alive, with some money going to your beneficiary when you die. 
    A joint life policy means that you and your spouse will receive payments. When you die, their income continues uninterrupted and unchanged. 
    There’s not just one annuity, there are many kinds, and there are also a lot of options when customizing your contract. 
     
    "I want you to understand what you’re buying and how it works ‘cause remember, an annuity is a contract" —  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!

    • 11 min
    Live off the Interest Until You Can’t: Shootin’ It Straight With Stan (TAM Classic)

    Live off the Interest Until You Can’t: Shootin’ It Straight With Stan (TAM Classic)

    In this episode, The Annuity Man discussed: 
    What does it mean to live off the interest? 
    Living off guaranteed interest 
    When interest rates go down 
    If you can’t live off of the interest
     
    Key Takeaways: 
    At the time of this taping, some money markets are 4, some CDs at five, and some MYGAs at five and a half. A lot of you out there have enough funds that whatever interests you can take off of those products is sufficient, and you never have to touch the principal. 
    There's no guaranteed return with index annuities, variable annuities, or buffer annuities. That doesn’t mean they’re bad products, but if you can live off of a guaranteed interest, why not do that? 
    When you lock in at a certain interest, it doesn’t matter if the interest rates go down in the market - you’ll benefit from what is contractually guaranteed. 
    Suppose we can prove mathematically that we can’t hit your goal from living off of the interest. In that case, that’s when we’ll look for contractual guarantee products for lifetime income because they’ll provide a higher payback of your money. 
     
    "You're going to ride that peeling off the interest as long as you can. You're gonna ride that train of never touching the principal and never paying a fee as long as you can, and if rates go down, then we will pivot " —  Stan The Annuity Man. 
     
     
     
    Connect with The Annuity Man: 
    Website: http://theannuityman.com/ 
    Email: Stan@TheAnnuityMan.com 
    YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g 
    Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!

    • 10 min
    John Olsen: Annuity Royalty Shares Wisdom (TAM Classic)

    John Olsen: Annuity Royalty Shares Wisdom (TAM Classic)

    In this episode, The Annuity Man and John Olsen discuss: 
    The suitability approach and consumer trust 
    How the annuity industry can be better 
    Approaching people who hate annuities 
    Risk management and risk transfer 
     
    Key Takeaways: 
    There is a considerable certainty that companies out there are determined to give the right product to their clients. 
    If you’re looking for a solution for your client, the agent should be able to show 3-10 companies that could get the client what they want and need. 
    Improving your knowledge of annuities as an agent is simple: read the contract. Don’t rely on the marketing material, read the hard words. 
    Here’s what you can do with risks: you either assume it, remove it, reduce it, or transfer it. Annuity allows you to transfer risks. 
     
    "These are investments to a degree, but most annuities are risk management tools. There are a few things you can do with risks: assume it, remove it, reduce it, or transfer it… Transfer the risk, that’s what annuities do. Fixed annuities are all about guarantees." —  John Olsen
      
    Check out John Olsen’s books here: https://www.amazon.com/John-L-Olsen/e/B011PP1LBK/
     
    Connect with John Olsen:
    Website: http://olsenannuityeducation.com/ 
    LinkedIn: https://www.linkedin.com/in/john-olsen-clu-chfc-aep-ba551217/ 
    Facebook: https://www.facebook.com/john.olsen.165 
     
    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! 
     

    • 31 min
    Defer 2 SPIA (MYGA-2-SPIA): Shootin' It Straight With Stan (TAM Classic)

    Defer 2 SPIA (MYGA-2-SPIA): Shootin' It Straight With Stan (TAM Classic)

    In this episode, The Annuity Man discussed: 
    What are MYGAs and SPIAs? 
    Annuities are contractual commodities 
    MYGA to SPIA 
     
    Key Takeaways: 
    A MYGA, Multi-Year Guaranteed Annuity, is the annuity industry's version of a CD. The good news about MYGAs is that the interest rate is locked in and non-callable. This means that when interest rates go down, you’re going to be locked in. 
    Annuities are contractual commodities, meaning that when you're buying them for the contractual guarantees, you can shop all carriers for the highest contractually guaranteed payout for your specific situation based on how you structure them. 
    Through MYGAs, you can protect the principal, peel off interest, and retain liquidity. After the duration of the MYGA, we can then shop all SPIA carriers and transfer the MYGA to the SPIA. 
     
    "You can have your cake and eat it too, you can protect the principle, you can peel off interest if needed during that duration of the MYGA, and at the end of that term, you have full control of the asset." —  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!

    • 14 min
    Annuity Fancy or Annuity Contractual?: Shootin’ It Straight With Stan

    Annuity Fancy or Annuity Contractual?: Shootin’ It Straight With Stan

    In this episode, The Annuity Man discussed: 
    The four main concerns that annuity addresses
    Why you should stay away from fancy annuities 
    Things to consider when buying annuities 
     
    Key Takeaways: 
    Annuity contracts are designed to address four key concerns: principal protection, lifetime income, legacy planning, and long-term care. However, not all annuities are created equal.
    Fancy annuities often come with a host of fees and complicated rules that can make them difficult to understand and manage. On the other hand, contractual annuities offer the same guarantees without the added complexity, providing the peace of mind and financial security you need without the headaches.
    When considering an annuity, it's essential to weigh your options carefully and choose a product that aligns with your goals and values. By opting for a contractual annuity, you can enjoy the benefits of principal protection, lifetime income, legacy planning, and long-term care, all while keeping things simple and easy to understand.
     
    "I used to work with Dean Witter, Morgan Stanley, Paine Webber, UBS, where that was market-driven stuff. If you're going to be fancy, be fancy over there because you have real possibilities of real returns. With annuities, they're contracts. Never forget that. You cannot have your cake and eat it too." —  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!

    • 5 min
    Dana Anspach: Juicing Your Retirement Plan (TAM Classic)

    Dana Anspach: Juicing Your Retirement Plan (TAM Classic)

    In this episode, The Annuity Man and Dana Anspach discuss: 
    Juicing your retirement money                                                                                                                                                                                                           
    How can you know if you’re “retirement-ready”
    What are some things you have to consider when setting up your retirement plan
    The four percent rule
     
    Key Takeaways: 
    Don’t underestimate what more you can juice from your retirement plan. You might very well end up with hundreds of thousands of dollars by the end of it. 
    You need to know what the risk factors are in the decumulation phase. 
    Calculating the bigger picture of your retirement will help you make decisions that increase your probability of success and have peace of mind in the future. 
    The reality is that you can’t spend just a solid percentage in your retirement fund, there are circumstances that would have to be accounted for - like needing to buy a car or having a health issue in the family. 
     
    "People are so focused on accumulating assets, which is relatively easy compared to the math you have to solve when you start drawing money out.” —  Dana Anspach
      
    Connect with Dana Anspach:
    Website: https://controlyourretirementdestiny.com/ | https://www.sensiblemoney.com/ 
    Facebook: https://www.facebook.com/SensibleMoneyUS 
    Podcast: https://podcasts.apple.com/us/podcast/control-your-retirement-destiny/id1438488254
    LinkedIn: https://www.linkedin.com/in/danaanspach 
    Twitter: https://twitter.com/SensibleMoneyUS | https://twitter.com/moneyover55 
    Books: https://www.amazon.com/Dana-Anspach/e/B00GL9WC82%3F 
     
    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! 
     

    • 42 min

Customer Reviews

4.6 out of 5
43 Ratings

43 Ratings

BCMusicLover ,

Excellent, clear and very pertinent information

Stan the annuity man really gives a very clear and pertinent information and has wonderful guests that do the same. It’s the authentic and trustworthy discussions and explanations that make this a great podcast.

Marjorie@ASustainableMind ,

Binge This Podcast

This is by far the most well-presented and easy-to-understand financial show I've ever heard. Annuities have been a hot topic in my household lately but I am definitely a newbie. This show has helped me understand the benefits and manage my expectations. I'll definitely be diving in to annuities with my eyes wide open after this.

KBR Clan ,

Love the honesty!

I’m just getting into learning about annuities so this podcast has been super helpful and doesn’t feel like I’m sitting in some advanced college class trying to keep up, love it!

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