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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.
Podcast
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
August 8, 2022
How Annuities Transfer Risk
Today's topic is a good one. It's about how annuities transfer risk. Annuities are insurance policies. Insurance companies exist to make a profit. That is correct. Annuities are issued by life insurance companies, all annuity types, and yes, life insurance companies are in the business to make a profit.
Article
August 4, 2022
How Much Do You Need To Pay Yourself With Inflation
So how much do you need to pay yourself? How much will an annuity for lifetime income pay using our calculators? Good question. So if you're looking for a monthly annuity calculator, what will an annuity pay me for life per month? How do I calculate that?
Shootin’ It Straight with Stan®
August 3, 2022
I Bond, No Brainer: Shootin' It Straight with Stan®
Today's topic is I bond, no brainer. Yes, I only sell annuities. Yes, I only sell annuities for their contractual guarantees. You own an annuity for what it will do. Not what it might do®. I used to be with Dean Witter and Morgan Stanley, UBS PaineWebber.
Article
July 28, 2022
How To Get Out of a Fixed Annuity
So the question is, how to get out of a fixed annuity? The easy answer is to die, but that's not a very good strategy and undoubtedly not replicable. I love it when people use the word "annuity" as all-encompassing. There are so many different types. So let's just look at the fixed annuity types.
Shootin’ It Straight with Stan®
July 27, 2022
Limit to Annuity Purchases: Shootin' It Straight with Stan®
The topic is there's a limit to how many annuities you can buy. There's a limit to annuity purchases. You may say, "Wait a minute. You're saying that if I wanted to put everything I had in annuities you wouldn't make the transaction? You wouldn't sell it to me?
Podcast
July 26, 2022
Bob Carlson: The Good & The Bad About Social Security in 2022
Bob Carlson is one of my favorite celebrity guests because it’s like getting an advanced degree every time he’s on Fun With Annuities. We discussed the Social Security report and the good and bad news that came out of it.
Shootin’ It Straight with Stan®
July 20, 2022
It's Time for A Financial Intervention: Shootin' It Straight with Stan®
The topic of the day, it's time for a financial intervention, or is it time for a financial intervention? I guess you have to ask yourself that question. I was on a phone call with a guy today and it was one of those things where I told him “You've already won the game, why are you still playing?”
Podcast
July 19, 2022
Mr. FIA-X: The Truth About Current Fixed Index Annuities
Mr. FIA-X is one of the most popular guests on my Fun With Annuities podcast because he is an indexed annuity insider, truth teller, and factual flame thrower. He has unique and high-level insights into what’s happening in the FIA industry.
Article
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.
Article
July 14, 2022
How to Buy an Annuity – Setting Up Your Annuity Beneficiary
Today's topic is setting up those annuity beneficiaries, so when your Learjet hits the mountain, you make sure that the annuity company doesn't keep a penny, even though they're on the hook to pay for the contractual guarantee you put in place.
Shootin’ It Straight with Stan®
July 13, 2022
There's No Perfect Answers, Just Bad Sales Pitches: Shootin' It Straight with Stan®
In the annuity world, there are no good answers, just bad sales pitches. On the internet, you see things like, "Oh, get up to an 18% return with market protection, with principal protection." Give me a break.
Podcast
July 12, 2022
Marcia Mantell: Lasagna Style Income Planning
Marcia Mantell is a breath of fresh financial air. She is a great example of living life in a glass-half-full manner. She is a 30-year expert on retirement and the most sought-after consultant in the U.S. for a financial advisor and planner.
