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Welcome back. I'm Stan The Annuity Man. Today we're going to talk about Multi-Year Guarantee Annuities versus Fixed Annuities. What you're really going to find out today is what a Multi-Year Guarantee Annuity is as opposed to just a Fixed Annuity, or are they the same thing?

Index Annuities are contracts; we will go over the details of Index Annuities. You're going to hear about how I really feel about Index Annuities. That is guaranteed. The other thing guaranteed is that I will tell you the brutal truth about what they are.

This is part of the Fixed Indexed Annuity blogs I've done on the product, which will help the consumer understand what's being pitched out there. Today, we're going to talk about Income Riders attached to Indexed Annuities. Why? When? How? What? And does it make sense?

Are Fixed Index Annuities good against a stock market crash? What if the insurance company backing it goes under? What's your protection? Let's take them one at a time.

The question is, who sells hybrid annuities? Let me rephrase that. Who sells Indexed Annuities? The word hybrid is overused in the industry to sell Indexed Annuities because they're Indexed Annuities. I don't know why they're creating another word. Oh, by the way, I'm Stan The Annuity Man, if you hadn't caught that, America's annuity agent.

Are hybrid annuities safe? First of all, the short answer is they are a Fixed Annuity, and they are safe from a principal protection standpoint. But a bigger question is, you didn't come up with the word hybrid. Somebody used that in a sales pitch to you and said the word hybrid, which made you type in hybrid, which made you read this blog.

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.

Stan The Annuity Man, America's annuity agent, here to talk about those beloved Fixed Index Annuities that everyone loves to go to the bad chicken dinner seminars. And if it sounds too good to be true because it is.

Hey, can you handle the truth? Can you handle it? As Jack Nicholson said, can you handle the truth about Fixed Index Annuities? I'll tell you what, there needs to be some truth out there. Many pitches are flying through the air, radio, TV, the bad chicken dinner seminars, about Fixed Index Annuities.

Today's topic is Fixed Index Annuities, pros, and cons.

The infamous and anonymous Mr. FIA-X joined the Fun With Annuities podcast once again to shine the light on Fixed Index Annuity returns factually.We started off the podcast with both of us going on the record that we are fans of the FIA strategy.

Today's topic is on a fixed annuity example, but first, let's talk about Dave Ramsey for a second. He does a lot of videos. He did one on annuities that he got some right, and he didn’t get a lot of others.I commented on what he was saying.

Anytime the market's gyrating a little bit, and now that COVID is lifted a little bit, you're starting to get those invitations in the mail to go to the local, very nice, high-end restaurant to have the steak dinner and then hear a sales pitch on the scariness of the markets.

How does a Fixed Indexed Annuity work? The panacea product, the too good to be true, the greatest product since sliced bread. Let's talk about Fixed Index Annuities. The history of a Fixed Index Annuity used to be called equity index annuities, but not anymore, is in 1995 when they were designed and introduced to compete with CD, typical, normal, normal CD returns, not the time of this taping.

Mr. FIA-X is arguably the most popular and most requested Fun With Annuities podcast guest in our roster of financial superstars. He wears a mask because the truth and facts he provides on the Fixed Index Annuity (FIA) category can be very controversial.