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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.

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.

Stan The Annuity Man, America's annuity agent is here to answer the burning question because everyone thinks every annuity is like this. What's the definition of a life-only annuity? That's the call I get from everyone who says, "I'd never buy an annuity because when I die, the annuity company keeps the money."

Stan The Annuity Man here excited to answer this question. Is a pension the same as an annuity? Yeah, pretty much because what they both do is provide a lifetime income stream that you cannot outlive. So, for all the haters out there that hate annuities, "I hate annuities, all annuities stink, all annuities," whatever. Then you need to also say, "I hate my pension.”

Today's topic, Create Your Own Pension. And yes, I'm talking to you, that person out there that doesn't have a pension, or the person that has a pension and wants more money, or all of you out there that already have a pension, and it's called Social Security, the best inflation annuity on the planet.

Today, we're going to talk about annuity comparisons. SPIAs versus DIAs. Immediate Annuities versus Deferred Income Annuities. Explain them both to me, Stan The Annuity Man. What's the difference? How do I use them? Should I use them? Should I have them? We will discuss all of that.

Man, am I glad you clicked that button to read this because you're trying to figure out why people are always saying they hate annuities? Why do some people hate annuities? Annuities are the financial curse word. That's for sure.

Today's topic is Don't Be an Annuity Hypocrite. I keep pounding the table all the time about this. I'm growing weary of the stupid people out there that are saying, "I hate all annuities, annuities are all bad, annuities are all expensive, or never look at an annuity." Those types of things.

So, you're doing annuity research? That's pretty cool. I mean, you must be leaning in to see, "Hey, does this make sense for me?" The question is, "What are annuities commonly used for?" People try to use them for many things, but they buy most annuity types primarily for their unique benefit proposition.

Today's topic is a beauty. I can't wait to do this one. Who Should NOT Buy an Annuity? Think about that. Stan The Annuity Man, America's annuity agent. I sell more annuities than anyone on the planet, and I'm going to tell you who shouldn't buy an annuity. And you're going, "What? An agent not trying to make a commission?"

We're going to cover a lot today. We'll cover what a Single Premium Immediate Annuity is, what it solves for, the brief history of Immediate Annuities, and the limitations and benefits because we have to cover them. After all, all annuities have them. Then we're going to talk about where it fits and how do you quote it. Once again, hang in there because I'll give away the book for free at the end of the blog.

Single life versus joint and survivor life annuity. That's what you're looking for, right? That's what I'm going to tell you about. Stan The Annuity Man, America's annuity agent, licensed in all 50 states. And I know my stuff, and I also know about this topic.

Hi, Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Today's question is a good one. "Hey, Stan, what's this exclusion ratio thing I've heard about? What's an exclusion ratio? Why are they excluding it? I don't want anything excluded. I want it all, Stan. I want it all with my annuity type." We're going to talk annuity types, about the exclusion ratio, how to look at that, and how to navigate my website.

The question you're asking today, which is a good one, is can you change the beneficiaries of an annuity? I'm going to cover all types, but the short answer, which is what you want, is yes, you can. You can change the beneficiaries on the annuity. If your kid pisses you off, sorry for my French, you can take them off that annuity as a beneficiary.