What Does It Mean When You Annuitize an Annuity?
What does it mean when you annuitize an annuity? I'm going to tell you that, but not until I tell you who I am. I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. This is going to be a fun topic because annuities are fun. So, let's get into it.
Exchange Your Income Rider for a SPIA: Shootin' It Straight With Stan
Welcome to Shootin' It Straight With Stan. I am your host Stan The Annuity Man, America's annuity agent, licensed in all 50 states. I am so glad you joined me on this topic, which is a good one. And it came from my good friend, John Lenz. I call him the annuity architect.
July 18, 2022
Single Premium Immediate Annuity Death Benefit (SPIA)
Today's topic is about Single Premium Immediate Annuity death benefits. The death benefits of an immediate annuity. There’s a lot of misinformation out there, as you can only imagine because people are... I read something the other day. It was from a really smart person.
June 6, 2022
How To Find The Best Quote with a SPIA Calculator
Today's topic is the SPIA calculator and two ways to find the best quote. We're going to go through where you go to run your quotes, and I'm going to talk about the two best ways to find the highest contractual guarantees for your specific situation.There are two ways to use a SPIA calculator. Single premium immediate annuity.
May 30, 2022
Retirement Cash Flow from Annuities
Today we're talking about retirement cash flow from annuities. Now, you're already participating in a part of the category of retirement cash flow from annuities because all of you have Social Security. If you have your Social Security number, you have Social Security. That's an annuity.
February 22, 2022
Immediate Annuity: How Does It Work?
In the pension-less world that most of us live in, Immediate Annuities are becoming more popular as over 10,000 baby boomers reach retirement age every single day. If you love your Social Security payments, then you will also love your Single Premium Immediate Annuity (SPIA) lifetime income stream.
December 27, 2021
What Is A Single Premium Immediate Annuity
What is a single premium immediate annuity? How does it work? Should you own one? We're going to dive into many things concerning single premium immediate annuities. We're also going to go through; should you even own one? We're going to go through the details of how you can make that decision.
December 13, 2021
SPIA Calculator: Two Ways to Find the Best Quote
Today's topic is SPIA calculator and two ways to find the best quote. We're going to go through where you go to run your own quotes, and I'm going to talk about the two best ways to find the highest contractual guarantees for your specific situation.
September 2, 2021
Digging Into The Exclusion Ratio for SPIAs
So you’re looking into exclusion ratios for immediate annuities, SPIAs, also known as Single Premium Immediate Annuities. In essence, the short answer to the exclusion ratio is that, with immediate annuities lifetime income stream, you're going to get a combination of return of principal plus interest based on your life expectancy at the time you make the payment.
August 9, 2021
Managing Cash Flow In Retirement: SPIAs
Okay, so let's talk about single premium immediate annuity's acronym, SPIA, S-P-I-A. They are the oldest annuity type on the planet and were introduced in Roman times as a pension gift, a lifetime income stream gift to the dutiful Roman soldiers and their families for laying it on the line for the empire.
March 15, 2021
Immediate Annuity Rates: Defer to SPIA Strategy
It’s kind of sad that the annuity category is experiencing somewhat of a renaissance during this Coronavirus crisis. It kind of makes sense that contractual guarantees become a little more attractive when the future is a tad hazy and unpredictable. In addition, stock market volatility always makes people reassess the overall risk in their portfolio.