Get Smarter

Learn the truth about SPIAs and DIAs, how they work, and how to choose the right lifetime income strategy based on when you want payments to start.

Learn the difference between Immediate Annuities and Deferred Income Annuities, how each provides guaranteed lifetime income, and which timing fits your retirement plan.

Learn how Fixed Annuity Rates really work, what the guarantees mean, and how to compare Multi Year Guarantee Annuities the right way.

A MYGA’s rate is yield, a SPIA’s rate is income. Learn the difference between guaranteed interest and payout percentages before you buy.

SPIA calculators look great online, but the real numbers depend on the contract. Learn how Single Premium Immediate Annuities actually work.

Discover why Single Premium Immediate Annuities (SPIAs) are still one of the best ways to secure guaranteed lifetime income in 2025. Simple, safe, proven.

Compare real-time SPIA quotes with our no-obligation Immediate Annuity Calculator. Get the highest guaranteed income for life without spam, sales pitches, or hidden agendas.

Learn how a SPIA works, payout options, pros and cons, and see what a $100K investment can generate in guaranteed retirement income.

Discover how to get the best Single Premium Immediate Annuity payouts. Learn what impacts rates and how to shop smart with Stan The Annuity Man.

Welcome to Shooting It Straight With Stan. I am your host, Stan The Annuity Man, America's Annuity Agent, licensed in all 50 states. So glad you joined me for this topic, which is a good one.

Today, we’re talking about lifetime income annuities and my favorite strategy, the Defer to SPIA strategy—one the annuity industry absolutely hates. But hey, if they hate it, maybe you’ll like it.

Today, we will discuss the granddaddy of all annuities: Single Premium Immediate Annuities (SPIAs). I’ll explain why they work, why they remain the most efficient and pro-consumer annuity type.

Today's topic is something I have created, and it is great to see that the public loves it. I need to tell you about it once again. It's called MYGA 2 SPIA for full control and lifetime income.

Today's topic is Single Premium Immediate Annuity, SPIAs. And a comprehensive guide to those. There's a lot of misinformation out there and you go, wait a minute, how's that even possible?

Today's topic is a very good one, and unfortunately, it's a unique one for the annuity industry, but hopefully, this strategy will spread like wildfire across the fruited annuity plane.