“Fun With Annuities” The Annuity Man Podcast

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

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.

  1. 2 DAYS AGO

    Fixed Annuities Explained: Which One Is Right for You?: Shootin’ It Straight With Stan

    In this episode, The Annuity Man discussed:  Transferring risk through annuities  The annuity PILL  Annuities are for guarantees and not growth    Key Takeaways:  Fixed Annuities provide lifetime income by transferring longevity risk to insurance companies. They offer over 40 different structures, such as life/joint life with cash/installment refund. Buy annuities only if your goal is any of these: principal protection, lifetime income, legacy options, and long-term care coverage. Annuities are contracts. They are bought for contractual guarantees and not hypothetical or theoretical market growth.    "With good information, you can make good decisions." —  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!

    10 min

  2. 3 DAYS AGO

    Jack Lenenberg: New LTC Product to Disrupt the Industry

    In this episode, The Annuity Man and Jack Lenenberg discuss:  Annuities and long-term care  The three primary types of long-term care coverage  Tailored long-term care  Planning for the future    Key Takeaways:  Annuities provide principal protection, lifetime income, legacy planning, and long-term care coverage for uninsurable individuals. Long-term care insurance providers offer cash indemnity benefits without requiring receipts for paid caregivers. The three primary types of long-term care coverage are traditional standalone long-term care insurance policies, asset-based life insurance policies, and asset-based long-term care annuities. Asset-based long-term care provides customizable inflation-adjusted lifetime benefits, allowing clients to design plans tailored to their needs and budgets, with the option to recoup unused funds. People need income, legacy, and long-term care planning regardless of interest rates or politics, and these products help eliminate stress by transferring risk. Therefore, initiation conversations with your family, update your documents, and work with a professional team.   "Regardless of insurance and products, when it comes to long term care planning, the most important thing for our clients is to have conversations with your family, with your loved ones, with your children." —  Jack Lenenberg   Connect with Jack Lenenberg: Website: https://longtermcareinsurancepartner.com/  LinkedIn: https://www.linkedin.com/in/jacklenenberg/    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!

    38 min

  3. OCT 16

    The Annuity Truth About Bonuses, Rates, Caps & Spreads: Shootin’ It Straight With Stan

    In this episode, The Annuity Man discussed:  Annuity marketing gimmicks  The complexity of Indexed Annuities  What annuities are for    Key Takeaways:  Bonuses for annuities are marketing gimmicks and provide no real value. Contractual guarantees are the most important aspect of annuities. Indexed annuities are complex products with components like caps, spreads, and participation rates that limit upside gains. These components can change annually, making the product difficult to understand. Annuities are designed for risk transfer through contractual guarantees, not market growth. Traditional investment vehicles are better options for market growth.   "Annuities, regardless of the type are transfer of risk, contractual, guaranteed products. It's a contract between you and the life insurance company." —  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!

    12 min

  4. OCT 9

    Annuity Tips: The Annuity Man’s Index Annuity Strategies: Shootin’ It Straight With Stan

    In this episode, The Annuity Man discussed:  How to use Indexed Annuities efficiently  The two sides of an indexed annuity  Focusing on what annuities really do    Key Takeaways:  Indexed Annuities can be used as an efficient delivery system for Income Riders, which provides guaranteed lifetime income. There are two sides to an Indexed Annuity: the accumulation value (hopes and dreams) and the income rider amount (guaranteed lifetime income). Focus on contractual guarantees and avoid misleading information. Don’t attend seminars that offer unrealistic returns and instead, focus on what annuities will actually do.   "You should never buy any annuity type for what it might do. You will always own it for what it will do." —  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!

    9 min

  5. OCT 8

    Pam Krueger: The Best Wealthramp on How to Roll Your 401K or IRA

    In this episode, The Annuity Man and Pam Krueger discuss:  Finding fiduciary financial advisors  Customizing an annuity according to your goal  Rejecting pushy pitches from agents  Avoiding costly mistakes through education    Key Takeaways:  Seek independent, fee-only, fiduciary advisors focused solely on your interests, not commissions or product sales.  Avoid one-size-fits-all annuity recommendations; annuities should be evaluated based on individual needs and financial situations. Take advantage of the one-year do-not-solicit period after rolling over a 401(k) to an IRA to avoid urgent pitches from agents pushing specific products. Thoroughly educate yourself, analyze the product, and seek a second opinion before committing large sums to annuities to avoid costly mistakes.   "People know when they're looking for advice, they want a fiduciary. They want someone who's fee-only because they want someone who works only for them, not someone who sells insurance or sells mutual funds" —  Pam Krueger   Connect with Pam Krueger: Website: https://wealthramp.com/ | https://www.pamkrueger.com/  LinkedIn: https://www.linkedin.com/in/pamkrueger/  Twitter: https://twitter.com/PamkruegerTV    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!

    33 min

  6. OCT 2

    Annuity Strategies Across the Political Spectrum: Shootin’ It Straight With Stan

    In this episode, The Annuity Man discussed:  Pragmatic approach to financial planning How annuities are primarily priced Four primary benefits of annuities  Closing the gap with annuities   Key Takeaways:  Prepare for either party leadership scenarios to ensure financial stability. Approach financial planning with a pragmatic mindset, always employing the use of research and contractual guarantees.  Life expectancy drives lifetime income from annuities. Annuities are commodity products, and their guarantees change based on market conditions and demand. If you are expecting interest rates to decrease or taxes to increase, then consider locking in good contractual guarantees by shopping from various carriers.  Here are the four primary benefits of annuities: principal protection, income for life, legacy, and long-term care. When buying annuities, ask yourself these two questions: what do you want the money to do, and when do you want the guarantees to start?  Your income floor consists of your Social Security, pensions, dividend stocks, and other income sources. Use annuities to fill the gap between the income floor and other sources of income.   "Annuities are not market products, they're not growth products, they're contractually guaranteed transfer of risk products that solve for four primary things: principal protection, income for life, legacy, long term care." —  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!

    10 min

  7. SEP 25

    Retire From Both Work & the Markets: Shootin' It Straight with Stan (TAM Classic)

    In this episode, The Annuity Man discussed:  How different your life could be with more money  Retiring from work and the markets Investing safely and smartly  Living off of guarantees    Key Takeaways:  People in the news and most financial advisors will tell you always to keep money in the markets, but you have to ask yourself this: will more money make your life any different?  If you love the ups and downs of the markets and treat it like a passion or a hobby, then it’s alright to stay in it, but most people out there should be retiring both from work and the markets. When you invest money in the market, invest an amount that you won’t care about, something that won’t keep you up at night or upset your plans if you lose.  Remember the trifecta of safe money: MYGAs, CDs, and treasuries, which you can get at treasurydirect.gov. These three provide guaranteed annual interest rates, and you can live off of these guarantees.    "Retire from your job, retire from the markets. Live your life. There are no U-Hauls behind hearses; you can’t take it with you." —  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!

    8 min

  8. SEP 24

    Stan The Annuity Man: Annuities and the Election

    In this episode, The Annuity Man discussed:  Ensuring a stable retirement regardless of politics  How annuities are priced  Planning for political uncertainty  Tailoring annuities to your financial goals    Key Takeaways:  Annuities provide a guaranteed income floor regardless of political outcomes. Take emotions out of financial decisions, and focus on building an income floor for your retirement.  Life insurance companies primarily price annuities based on life expectancy. Although a Cost Of Living Adjustment can be attached to annuities, it could lower your initial payments to make up for that adjustment.  Prepare for both political outcomes by considering various different financial strategies. Have a plan in place to manage taxes and protect assets. Have a fact-based approach when it comes to planning and focus on contractual guarantees. Be rational, practical, and pragmatic.  Structure an annuity to meet your specific financial goals. Consider both qualified and non-qualified accounts when planning for retirement. Have a comprehensive financial plan that includes annuities and other financial instruments. Utilize annuities to plan for your legacy and provide an income for your heirs.    "What I'm encouraging you to do is get rid of the politics - this is about your money, your family, your legacy. With money, whether you're in the stock market, bond market, annuity market, it should be a non-emotional, fact-based decision." —  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!

    34 min
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4.6
out of 5
45 Ratings

About

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.

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