Learn Information on Annuities: Get Smarter | The Annuity Man

What Is A Qualified Longevity Annuity Contract (QLAC)?

September 14, 2023

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.

What Is A Qualified Longevity Annuity Contract (QLAC)?

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.

Stan The Annuity Man: Happy Birthday To QLACs

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.

High Rates for How Long: by Terry Savage

High Rates for How Long: by Terry Savage

Do you have “chicken money” – money that you want to protect from risk? If so, it should be in short-term CDs, or money market accounts, or short term Treasury Bills – IOUs from the Federal government. Those are the safe places to stash your cash.

You Already Won! Why Are You Still Playing?: Shootin' It Straight With Stan (TAM Classic)

Shootin’ It Straight with Stan®

You Already Won! Why Are You Still Playing?: Shootin' It Straight With Stan (TAM Classic)

Today's topic is a good one, and it is this. If you've won the game, then why are you still playing? I want you to think about that for a second.

Inflation-Adjusted-Annuity:-Pros-and-Cons

Inflation-Adjusted Annuity: Pros and Cons

Inflation-adjusted annuities pros and cons. The good news is you already own the best inflation annuity on the planet, Social Security. It is an annuity. And you're like, "No, it's not." I love those who call me up and say, "I hate annuities."

Annuity-Comparison:-FIA-vs.-MYGA-(TAM-Classic)

Annuity Comparison: FIA vs. MYGA (TAM Classic)

This is a great topic. We're doing annuity comparisons. We're doing Indexed Annuities, Fixed Indexed Annuities versus Multi-Year Guarantee Annuities, which are called MYGAs. That's FIAs versus MYGAs, the ultimate cage battle.

Annuity-Payments:-Are-They-All-for-Life?

Annuity Payments: Are They All for Life?

What are we talking about today? We're talking about annuity payouts. Are they all for life? Are all of them lifetime income products? No, they're not, but most of them are. But we're going to go through both types so you can make a good decision if you even need one, and if you do, how to get one.

25%-Annuity-Bonus…Is-It-Real?:-Shootin'-It-Straight-With-Stan-(TAM-Classic)

Shootin’ It Straight with Stan®

25% Annuity Bonus…Is It Real?: Shootin' It Straight With Stan (TAM Classic)

Today's topic is a really good one and timely: 25% annuity bonuses, 35% annuity bonuses. Is this stuff real? Is there actually a philanthropist at an annuity company, the CEO, who wakes up in the morning and says, "You know what? I think I'm going to give money away.

Jason-Fichtner:-Understanding-a-Changing-Retirement-Landscape-(TAM-Classic)

Jason Fichtner: Understanding a Changing Retirement Landscape (TAM Classic)

In retirement we're not trying to maximize returns, we're trying to minimize risks - ensure that I have enough income to last for the rest of my life.

How-Much-Does-a-$1-Million-Annuity-Pay-per-Month?

How Much Does a $1 Million Annuity Pay per Month?

Hi there, Stan The Annuity Man, America's annuity agent, licensed in all 50 states, and that's including yours. I'm the top agent in the country, but enough about me. Let's talk about you and what an annuity pays if you have a million dollars.

How-to-Buy-an-Annuity:-IRA,-Non-IRA,-Roth-IRA?-(TAM-Classic)

How to Buy an Annuity: IRA, Non-IRA, Roth IRA? (TAM Classic)

Today's topic is about annuities inside of an IRA, a non-IRA, and a Roth IRA. We're going to go through each type, how it works, and why you might consider putting an annuity type inside of those structures.

Pros-And-Cons-Of-Annuities:-The-Bad-Chicken-Dinner-Seminar

Pros And Cons Of Annuities: The Bad Chicken Dinner Seminar

Today's topic is a good one, very close to my heart, because I hate the Bad Chicken Dinner Seminar sales pitches. So, we will discuss the pros and cons of the Bad Chicken Dinner Seminar sales pitches.

Understanding-Annuity-Payout-Options:-Shootin'-It-Straight-with-Stan

Shootin’ It Straight with Stan®

Understanding Annuity Payout Options: Shootin' It Straight with Stan

Today's topic is a very good one, and we're talking about it because some things have happened this week that have pointed us in this direction. It's understanding annuity payout options.

How Much Income Do I Need in Retirement?

How Much Income Do I Need in Retirement?

So, how much income do I need, you need, we need, all of us need in retirement? Never ask anyone that question except Stan The Annuity Man, because that is a layup for most salespeople. They'll try to sell you something.

Annuity Payout Rates vs. Interest Rates

Annuity Payout Rates vs. Interest Rates

Today's topic is a very good one and important. Annuity rates versus payout rates. Is there a difference, Stan? You're darn right there's a difference. You know what else is different? This really smooth Adidas T-shirt that I got from my PR team.

Are RMDs Your Forced Annuity?

Are RMDs Your Forced Annuity?

Today's topic is a good one. Are RMDs (Required Minimum Distributions) a forced annuity? I mean, should Stan The Annuity Man, America's annuity agent, should I look at my RMDs as a forced annuity type of income stream?

Live off the Interest Until You Can’t: Shootin' It Straight With Stan (TAM Classic)

Shootin’ It Straight with Stan®

Live off the Interest Until You Can’t: Shootin' It Straight With Stan (TAM Classic)

I'm revved up today because the topic is live off the interest until you can't. What am I talking about? I'm talking about current interest rates.

John Olsen: Annuity Royalty Shares Wisdom (TAM Classic)

John Olsen: Annuity Royalty Shares Wisdom (TAM Classic)

These are investments to a degree, but most annuities are risk management tools. There are a few things you can do with risks: assume it, remove it, reduce it, or transfer it.

Join a thriving community of Annuity owners

Join a thriving community of Annuity owners.