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Now, what you're looking at today and the reason that you clicked this blog, Are Hybrid Annuities Too Good to Be True? First, because you're using the word hybrid, you typed in the word hybrid, and it attracted you, which only means one thing. It means that some agent, some advisor, has pitched you what they're pitching you as an Indexed Annuity.

Today's topic is Reverse Engineer Annuities for Inflation. This is a big one because there are a lot of bad sales pitches out there, especially in the index market, index annuity market, where they have the index annuity that is just for inflation, which is garbage. There's not an annuity company in the world that has that product.

The question of the day is, are all annuities tax-deferred? Short answer: no. But we need more than that, right? You need more than just the no. You need to know the details of all that. So, hang in there with me, and I'm going to go through all of that in detail so you can fully understand what tax-deferred means.

Joint and survivor annuity, what does that mean? That means that you have a spouse you love that's put up with your crap for a long, long time, and you want to create a lifetime income stream that will pay each of you as long as you are breathing.

Let's talk about Single Premium Immediate Annuities in general. Pension annuities started in the Roman times. Yes, the Roman times. That's how old they are. They're transfer risk products, and they're based on your life expectancy at the time you take the payment. It's not interest rate driven.

Today's topic is a very, very good one. It is timely and one you need to pay attention to for sure. Income Riders versus DIAs, Deferred Income Annuities, which one is better? Now, if you go to the bad chicken dinner seminar, expensive steak dinner seminar, or shopping locally for annuities, in most cases, you're only going to be shown Income Riders attached to Indexed Annuities.

Bill Black is the President of W.H. Black and Company and has been in the pension administration business for over 40 years. He is also responsible for the marketing efforts of PensionSpecialist.net – a full-service pension administration company that helps advisors nationally with the sale and administration of qualified pension plans.

What are we here for? We're here to talk about Immediate Annuities, life with a period certain. What does life with a period certain mean? It sounds crazy and kind of complicated. It's really not. I'm going to explain it and dig a bit deeper.

How do you know which retirement track, decision, or product is right for you? What are the annuity alternatives for that? And let's stop right there. Annuities aren't for everyone. Even though every single person watching this video who's a US citizen with a Social Security number already owns the best inflation annuity on the planet called Social Security.

We're talking about retirement withdrawal strategies or strategies using Income Riders. So we're going to talk about how Income Riders work, where they're attached to, what products use Income Riders, what you should know, what is good and bad about Income Riders, the limitations, the benefits, what I call the asterisk, the things that not anybody knows.

Today's topic is a really good one, and I want you to listen because I'm talking to most of you out there, and it's called Start Acting Annuity Rich. Now, all of you out there, "Well, Stan, I'm not rich. I'm not rich. I'm just telling you I'm not rich." I'm telling you, you are compared to the vast majority of Americans.

Hey, Stan The Annuity Man, America's annuity agent here with you to talk about a subject that I know you're sitting there going, "Oh, I don't even want to talk about this," but I'm glad you did. I'm glad you clicked on this blog. Today, we will talk about long-term care annuity pros and cons.

Let's talk about annuities versus CDs. Annuities, you can't say annuities. It's like saying restaurants. Okay? It's like saying trucks. It's like saying shoes. Annuities have many different types. But let's talk about the type you can compare to a CD. The annuity industry has its own version of its CD. It's called a Multi-Year Guarantee Annuity. MYGA is the acronym.

A qualified longevity annuity contract (QLAC) is a type of annuity contract specifically designed to keep you from outliving your retirement savings. As a deferred annuity, QLACs provide you with a guaranteed stream of income later in life.

Let's talk about how non-qualified annuities are taxed. I'll give you the 30,000-foot view from the B-2 bomber. But you got to come down here to the fighter pilot, and that's the tax lawyer, when you get down to the end, and you're trying to make a decision. So, we will cover all that and all types of annuities in a non-qualified account.