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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.

Hey, Stan The Annuity Man here, America's annuity agent. Today's topic is, Do All Annuities Have Surrender Charges? The short answer is no, but obviously, there's more to that. You just can't say no. It's like saying, "How are you doing?" "Good." There's more to it than that, but we're going to go through all the different types. I'll explain the ones that do, the ones that don't, and the reasons they do or don't.

Today's topic is 4 Contractual Paths to Income Later. Income later is when I ask the two questions, what do you want the money to contractually do, and when do you want those contractual guarantees to start? An example answer to the first question is, "I want lifetime income," and an example answer to the second question is, "I want it to start in two or three years or five years or seven years or 10 years."