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What Is A Qualified Longevity Annuity Contract (QLAC)?
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.
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Stan The Annuity Man: Happy Birthday To QLACs
With QLACs, SPIAs, and DIAs, there's no annual fees. There's no market attachment; it’s a straight transfer risk. You're saying to the issuing QLAC company, here's the money, and you are on the hook to pay me, or me and my wife, or me and my husband forever as long as one of us is breathing, but you don't get to keep a penny.
Article
April 28, 2024
Are Fixed Index Annuities for You?
Today’s topic is going to inform a lot of people. It's going to save a lot of people from bad decisions. Hopefully, it will help the industry. I like doing that because this product is causing some issues. And the topic is, Are Fixed Index Annuities for You?
Shootin’ It Straight with Stan®
April 24, 2024
Keep Your Powder Dry Annuity Income Planning: Shootin' It Straight With Stan
Today's topic is a very good one, as usual. It's called Keep Your Powder Dry Annuity Income Planning. One of the biggest fallacies in the annuity land is people getting different information on the internet or from their advisors who know nothing about annuities.
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Article
April 22, 2024
Should I Take a Pension Lump Sum or Annuity?
Should you take a pension lump sum or an annuity? I'm assuming that you've been offered that. You have reached the finish line, you're going to retire, and you need to decide which is best and if an annuity outside, like on the street, is better for you and what probably most agents are telling you to do.
Article
April 21, 2024
How Annuities Can Help Achieve Your Retirement Goals
Today's topic is a good one. That's the reason you clicked it, right? How annuities can help you achieve your retirement goals. Easy for me to say. Now, for all you haters who clicked it and said, "That's not happening with me, man. That's not going to happen." It's already happening, player.
Article
April 18, 2024
Deferred Income Annuity Definition
Today, we are discussing Deferred Income Annuities. What's the definition of a Deferred Income Annuity? Some people call them longevity annuities because they solve for longevity risk. What longevity risk really means is not outliving your money, and that's what a Deferred Income Annuity does.
Shootin’ It Straight with Stan®
April 17, 2024
There’s NO Annuity Sweet Spot to Purchase: Shootin' It Straight With Stan
Today's topic is a very, very important one, not only for the consumer but also for the annuity industry. The topic is: there is no sweet spot for annuity purchases. There's no perfect time to buy one.
Article
April 15, 2024
What Is the Best Annuity for Me?
You ask a good question: What's the best annuity for me? You know what? The answer could be none. We're going to go through all annuity types and answer a bunch of questions, and at the end, you're going to make a good decision on whether an annuity fits you or not.
Article
April 14, 2024
Annuity Income Rider Roll-up Rates Are Not Yield
Today's topic is a good one and important because people make mistakes when they purchase annuities. They believe something that's true, that's being told to them, that's really not. Annuity agents or advisors are either not detailed enough, don't really know, or play semantics, word games, when they talk about Income Riders.
Article
April 11, 2024
MYGA vs. Fixed Annuity
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?
Shootin’ It Straight with Stan®
April 10, 2024
Transfer Your Risk to Annuity Contractual Guarantees: Shootin' It Straight With Stan
Today's topic is a very good one, and the title is Transfer Your Risk to Annuity Contractual Guarantees. This is very important in the current sales environment of most annuity bad chicken dinners and expensive steak dinner seminar sales pitches.
Article
April 8, 2024
Guaranteed Future Income Annuity: 4 Strategies to Know
Hi, Stan The Annuity Man here. I'm America's annuity agent licensed in all 50 states. Did you know that I love lifetime income? That's what we're talking about today. I mean, I'm the only one that's wearing it on my sleeve, as they say.
Article
April 7, 2024
What Is the Purpose of Reverse Engineering Annuity Quotes?
Today's topic is a good one. What is the purpose of reverse engineering annuity quotes? He's saying, "Reverse engineers. Stan, you don't look like an engineer. You don't act like one." I'm not an engineer. My wife said the other day at the Hoover Dam, "One of the worst jobs ever for you would be an engineer."
