by The Annuity Man
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.
Language
🇺🇲
Publishing Since
10/7/2019
Email Addresses
1 available
Phone Numbers
0 available
April 16, 2025
<p dir="ltr">In this episode, The Annuity Man discussed: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Traditional laddering with MYGAs</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">What is “reversing”? </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Traditional laddering and reversing <br /> <br /></p> </li> </ul> <p dir="ltr">Key Takeaways: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">You do a traditional 3-year, 4-year. 5-year ladder if you are hoping that rates will go higher. It’s a strategy you use when you want to have money as the rates are rising so that you can attach yourself and lock yourself in with those higher rates. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Reversing is the opposite of laddering; you lock in the MYGA for 10, 9, 7, or 10, 7, or 5 years because the rates are falling. This is also a great strategy to use with MYGAs since MYGAs are not callable, the rates are locked in. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">If you are undecided whether you should ladder or reverse, you can put half your money in one and half in the other to get a more balanced outcome. What’s important is that you should have some of your money be not callable. </p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">"A lot of times when Powell raises interest rates, the annuity industry yawns. You can't time it; there’s no sweet spot. There's no arbitrage moment." — Stan The Annuity Man. </p> <p dir="ltr"> </p> <p dir="ltr">Connect with The Annuity Man: </p> <p dir="ltr">Website: <a href= "http://theannuityman.com/">http://theannuityman.com/</a> </p> <p dir="ltr">Email: <a href= "mailto:[email protected]">[email protected] </a></p> <p dir="ltr">Book: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">Owner’s Manuals</a>: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">https://www.stantheannuityman.com/how-do-annuities-work</a></p> <p dir="ltr">YouTube: <a href= "https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g">https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g</a> </p> <p><strong id= "docs-internal-guid-072f423c-7fff-e2fb-82a6-cd6ae1a52f0c">Get a Quote Today: <a href= "https://www.stantheannuityman.com/annuity-calculator">https://www.stantheannuityman.com/annuity-calculator!</a></strong></p>
April 9, 2025
<p dir="ltr">In this episode, The Annuity Man discussed: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Protecting your beneficiary from dumb choices</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">How Stan lovingly handcuffs his beneficiaries</p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Handcuffing your loved ones is good for them</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">Key Takeaways: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Lovingly handcuffing your beneficiaries with annuity guarantees protects them from making dumb decisions with lump sums. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Stan has written in the trust that when he dies, there will be a lifetime income annuity purchase for each of his daughters, guaranteed to pay them for the rest of their life as long as they are breathing. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Your beneficiaries might not react positively to you giving them income instead of a lump sum, but handcuffing them contractually is the right thing to do and it will be good for them in the long run. </p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">"Death is not a good strategy, because you can only use it once. But wouldn't it be good to know regardless of what happens, that they're taken care of? And that lifetime income stream is going to be in place?" — Stan The Annuity Man. </p> <p dir="ltr"> </p> <p dir="ltr"> </p> <p dir="ltr">Connect with The Annuity Man: </p> <p dir="ltr">Website: <a href= "http://theannuityman.com/">http://theannuityman.com/</a> </p> <p dir="ltr">Email: <a href= "mailto:[email protected]">[email protected] </a></p> <p dir="ltr">Book: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">Owner’s Manuals</a>: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">https://www.stantheannuityman.com/how-do-annuities-work</a></p> <p dir="ltr">YouTube: <a href= "https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g">https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g</a> </p> <p><strong id= "docs-internal-guid-b889a4e9-7fff-5dcd-6243-421d53b3dd57">Get a Quote Today: <a href= "https://www.stantheannuityman.com/annuity-calculator">https://www.stantheannuityman.com/annuity-calculator!</a></strong></p>
April 2, 2025
<p dir="ltr">In this episode, The Annuity Man discussed: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">State guaranty funds </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">The true safety of the industry </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Life insurance companies are more regulated </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Assigning unused money to beneficiaries</p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">Key Takeaways: </p> <ul> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">If you look at the state guaranty fund, each state has a specific rule in place to protect you and your money in case something happens to the carrier. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">You should be buying the claims-paying ability of the life insurance company from the standpoint of safety. The true safety of the annuity industry is the industry policing itself. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">Life insurance companies are not smarter than banks, they’re just more regulated. The company is handcuffed from making financially stupid decisions. </p> </li> <li dir="ltr" aria-level="1"> <p dir="ltr" role="presentation">You can structure an annuity so that 100% of any unused money goes to your family or beneficiaries. </p> </li> </ul> <p dir="ltr"> </p> <p dir="ltr">"You can protect yourself and your hard-earned money in a myriad of ways. You can protect it by buying very good companies, by buying underneath the state guarantee fund within your state, and by structuring the policy so that 100% of any unused money goes to your family or beneficiaries." — Stan The Annuity Man. </p> <p dir="ltr"> </p> <p dir="ltr">Connect with The Annuity Man: </p> <p dir="ltr">Website: <a href= "http://theannuityman.com/">http://theannuityman.com/</a> </p> <p dir="ltr">Email: <a href= "mailto:[email protected]">[email protected] </a></p> <p dir="ltr">Book: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">Owner’s Manuals</a>: <a href= "https://www.stantheannuityman.com/how-do-annuities-work">https://www.stantheannuityman.com/how-do-annuities-work</a></p> <p dir="ltr">YouTube: <a href= "https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g">https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g</a> </p> <p><strong id= "docs-internal-guid-af7a250d-7fff-0c77-9076-a53d65d5b3be">Get a Quote Today: <a href= "https://www.stantheannuityman.com/annuity-calculator">https://www.stantheannuityman.com/annuity-calculator!</a></strong></p>
Wade Pfau & Alex Murguia
Jim Saulnier, CFP® & Chris Stein, CFP®
Steve Chen
Andy Panko
James Conole, CFP®
Benjamin Brandt CFP®, RICP®
Rob Berger
Bryan Anderson
Taylor Schulte, CFP®
Devin Carroll, CFP® & John Ross, JD
Jason Parker
Joe Anderson, CFP® & Alan Clopine, CPA of Pure Financial Advisors
The Great Retirement Debate with Ed Slott & Jeffrey Levine
Roger Whitney, CFP®, CIMA®, RMA, CPWA®
Casey Weade
Pod Engine is not affiliated with, endorsed by, or officially connected with any of the podcasts displayed on this platform. We operate independently as a podcast discovery and analytics service.
All podcast artwork, thumbnails, and content displayed on this page are the property of their respective owners and are protected by applicable copyright laws. This includes, but is not limited to, podcast cover art, episode artwork, show descriptions, episode titles, transcripts, audio snippets, and any other content originating from the podcast creators or their licensors.
We display this content under fair use principles and/or implied license for the purpose of podcast discovery, information, and commentary. We make no claim of ownership over any podcast content, artwork, or related materials shown on this platform. All trademarks, service marks, and trade names are the property of their respective owners.
While we strive to ensure all content usage is properly authorized, if you are a rights holder and believe your content is being used inappropriately or without proper authorization, please contact us immediately at [email protected] for prompt review and appropriate action, which may include content removal or proper attribution.
By accessing and using this platform, you acknowledge and agree to respect all applicable copyright laws and intellectual property rights of content owners. Any unauthorized reproduction, distribution, or commercial use of the content displayed on this platform is strictly prohibited.