Fun With Annuities® - The Annuity Man Podcast

The Annuity Man
  • 4.4 (55)
  • Investing
  • Updated Weekly

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. 7h ago

    Don't Drink the Annuity Inflation COLA: Fun With Annuities

    Can an annuity truly keep up with inflation—or is that just a sales pitch? Stan challenges common claims about COLAs and indexed annuities, and explains his approach to covering a specific income shortfall when it arises.    In this episode, The Annuity Man discussed:  Annuity COLAs and reduced starting payments Social Security's cost-of-living adjustment Indexed annuities and income riders Personal inflation and income gaps Reverse-engineering quotes for needed income   Key Takeaways:  A lifetime-income increase through an annuity COLA comes with a lower initial payment. A rising index does not necessarily mean an indexed annuity will deliver market returns or higher income. Inflation affects people differently, so a general-purpose solution may not match an individual's needs. One approach discussed is to calculate the amount needed to fill a specific income gap and price an annuity for that amount. Evaluate annuities by their contractual guarantees, not by hypothetical returns or sales promises.   "Never buy an annuity for hypothetical, theoretical, backtested, promised returns." —  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!

  2. 2d ago ·  Bonus

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

    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: 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!

  3. Sep 27 ·  Bonus

    There Are Only 2 Types of Annuity Rates: Shootin' It Straight With Stan

    That 7.3% next to an immediate annuity isn't a yield. It reflects how long you're expected to live. In this episode, Stan explains why there are only two kinds of annuity rates, and why tracking the Fed won't help you get either one right.    In this episode, The Annuity Man discussed:  The PILL framework: principal protection, income for life, legacy, long-term care Payout rates and life expectancy in lifetime income products MYGAs as the annuity version of CDs and bonds Why the Fed and annuity rates don't always move together Shopping all carriers for the highest contractual guarantee   Key Takeaways:  A payout rate isn't an interest rate. Lifetime income payouts depend mostly on your life expectancy. The older you are, the higher the payout. MYGAs work like CDs. You lock in a guaranteed interest rate for a term you choose, from 1 to 10 years, and you can ladder several terms. Both rate types shift risk to the insurer. With a MYGA, you hand off interest-rate risk. With lifetime income, you hand off the risk of outliving your money. You can't time the market, so don't try. A carrier may cut its rates even when the Fed raises them, if it already has enough business from people like you. Treat annuities as commodities. Shop every carrier for the highest contractual guarantee, and for lifetime income, only use insurers rated A+ or better.   "Do not buy annuities for market growth. Listen to me: buy them for the contractual guarantees of the policy. End of story." —  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!

  4. Sep 20 ·  Bonus

    Income Annuities: Wall Street's Best Friend: Shootin' It Straight With Stan

    Former Wall Street broker turned annuity evangelist, Stan the Annuity Man, argues the industry's most misunderstood product is actually the market's greatest ally. Lock in a guaranteed income floor, he says, and you'll never panic-sell your portfolio again.    In this episode, The Annuity Man discussed:  The income floor and non-correlated retirement income Four lifetime-income annuity types: SPIAs, DIAs, QLACs, income riders Why Wall Street resists annuities (wrap fees) Debunking the 4% rule Allocation limits, transparency, and anonymous quoting   Key Takeaways:  Own an annuity for what it will contractually do, never for what it might do. A guaranteed income floor doesn't compete with your portfolio — it protects it, because you're never forced to sell into a downturn. Annuities hold a monopoly on lifetime income; no other product can pay as long as you're breathing. The 4% rule collapses the moment markets fall, since you're still withdrawing while trying to recover losses. Never go all in: the industry itself caps annuities at roughly 50–60% of investable assets, and the goal is to solve the income gap with the least money possible.   "If you want growth, don't buy an annuity. If you want guarantees, buy an annuity. It's that simple." —  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. Sep 15

    How Will AI Affect Annuities?: Fun With Annuities (Encore Presentation)

    Could living longer mean receiving lower annuity payments in the future? This episode explores how AI-driven medical breakthroughs could affect longevity, life expectancy assumptions, and lifetime income annuities.   In this episode, The Annuity Man discusses:  AI-driven medical breakthroughs and their potential impact on life expectancy How life expectancy tables factor into lifetime income annuity pricing Why current life expectancy assumptions may present an opportunity to lock in lifetime income Lifetime income products including SPIAs, DIAs, QLACs, and Income Riders Why financially strong A+ or better carriers matter for lifetime income guarantees   Key Takeaways:  AI-driven advances in medical research could potentially increase life expectancy and affect future annuity pricing. Lifetime income annuities are primarily priced around life expectancy, not interest rates. If future life expectancy assumptions increase, the speaker argues that lifetime payments could be lower because payments may need to continue for longer. Locking in current life expectancy assumptions could potentially result in higher lifetime income. Lifetime income products transfer longevity risk to the insurance company.   "How do you beat AI? How do you get ahead of AI? Lifetime income right now, because AI hasn't affected it, and the next word I'm going to say is very important, yet. It will. You know it." —  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!

  6. Sep 13 ·  Bonus

    Fixed Indexed Annuities Explained (Encore Presentation)

    Upfront bonuses, free long-term care, unlimited market growth — if the annuity pitch sounds too good to be true, there's a reason. Here's how to spot it before you sign a 10-year contract.   In this episode, The Annuity Man discussed:  FIAs as CD products, not market products Principal protection and locked-in annual gains Caps, spreads, and renewal-rate discretion Deconstructing the four-part sales pitch Licensing gaps behind mis-selling   Key Takeaways:  It's a CD product, not a market product. These were built to compete with CD returns, bringing that expectation, not a growth one. Principal protection is the real upside. Market swings can't shrink your money, and gains lock in at each contract anniversary. A 10-year surrender charge can hide a one-year guarantee. Caps and spreads reset at the insurer's discretion, so renewal-rate history matters. Upfront bonuses aren't free money. They're priced into the guarantee, and the best guarantees often carry no bonus. "Free long-term care" isn't real coverage. A guaranteed-issue confinement rider is easy to qualify for and is not replaceable.   "If it sounds too good to be true, it is every single time with annuities without exception." —  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!

  7. Sep 6 ·  Bonus

    The 3 Phases of Income Rider Taxation: Shootin' It Straight With Stan

    Tired of annuity hype, bonuses, and rosy projections? In this episode, Stan The Annuity Man breaks down the three phases of income rider taxation and shows why the real value of annuities doesn't show up until your account hits zero.   In this episode, The Annuity Man discussed:  Contractual guarantees vs. hypothetical projections What income riders are and how they work The three phases of income rider taxation Solving for longevity risk and building an income floor How to evaluate annuities and run income rider quotes   Key Takeaways:  Annuities should be purchased for their contractual guarantees, not for hypothetical growth stories or back-tested projections. Income riders attached to indexed annuities are designed to deliver lifetime income, and the focus should remain on the income rider, not the index side. The taxation of income riders moves through three stages—gains, principal, then the insurer's money—each with different tax implications. The true power of lifetime income products only appears after the account value hits zero, when the insurance company is still obligated to keep paying. Using annuities to create an income floor can reduce the fear of outliving your money and help you invest more confidently with the rest of your portfolio.   "When you buy an annuity, you're going to get a policy. That policy is a contract from a life insurance company that issues the annuity. So buy it for the contractual guarantees. Don't buy it for the dream." —  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. Sep 1

    I'm Your Annuity Life Coach & Annuity Oncologist: Fun With Annuities

    In this solo episode, Stan The Annuity Man breaks down how to buy annuities the right way and why his no-data, real-time quote platform is changing the industry.   In this episode, The Annuity Man discusses:  Annuities as contractual guarantees, not hypothetical growth The "annuity life coach" and "annuity oncologist" mindset Anonymous, real-time quoting for SPIAs, DIAs, MYGAs, QLACs, and Income Riders Professional boundaries and no-pressure, no-outbound model Direct-to-consumer mission and cleaning up annuity industry "charlatans"   Key Takeaways:  Annuities should only be purchased for what they are contractually guaranteed to do, not for hypothetical or illustrated returns. A truly client-focused advisor is willing to say "you're putting too much into this annuity" or "you might not need this product right now." Providing real-time, anonymous quotes empowers consumers to explore annuity options without fear of being chased by salespeople. Financial advisors should maintain professional distance rather than trying to be friends, golfing buddies, or entertainers. Transforming the annuity industry requires radical transparency, direct-to-consumer access, and a zero-tolerance stance on misleading, high-pressure sales tactics.   "You don't need a friend. You don't need a golfing buddy, and you don't need a meal purchased for you. You need someone telling you the truth." —  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!

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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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