Its Time for an Annuity Stan-tifa

When you hear “Stan-tifa,” you might think politics. But this isn’t about Antifa or rallies. This is about annuities. It’s time for an uprising in the annuity world, not with protests, but with the truth.

For too long, the annuity industry has been plagued by hype and sales pitches that confuse and mislead consumers. I’ve been doing this a long time, and I can tell you: the noise has never been louder. That’s why I’m calling for a Stan-tifa, a movement to put annuities back in their proper place by stripping away the garbage and focusing on the guarantees.

Retirement Isn’t a Practice Run

When you step into retirement, you don’t get a mulligan. You only get one chance to set things up the right way. That means you need clear, accurate information and not just a slick sales presentation.

Here’s the truth: every annuity has benefits and limitations. If it sounds too good to be true, it is. If someone’s telling you about massive upfront bonuses, double-digit returns, or “market upside with no downside,” you’re not hearing the truth. You’re hearing a sales pitch.

Annuity companies aren’t charities. If they give you something, they’re taking something away somewhere else in the contract. That’s why the only thing that matters are the contractual guarantee.

What Stan-tifa Really Means

Stan-tifa is about pushing back against sales hype and bringing annuities back to basics. Forget the unicorns, butterflies, and hypothetical illustrations from a decade ago. Forget the pie-in-the-sky promises.

Annuities are legal contracts with insurance companies. You should only own them for what they will do, not for what they might do. That’s the foundation of Stan-tifa: truth, guarantees, and decisions made on your terms, on your timeline.

Sometimes the Answer Is “Don’t Buy”

Here’s something most agents won’t tell you: sometimes the right answer is not to buy an annuity at all.

I’ve told people that countless times. If the contract doesn’t solve a problem you actually have, don’t buy it. Simple as that. Annuities are tools. They’re not one-size-fits-all solutions.

Part of leading this Stan-tifa movement is being willing to say no when the fit isn’t right. That’s how you protect yourself and how annuities earn back their credibility.

The P.I.L.L. Test

Annuities only solve four things:

• Principal protection
• Income for life
• Legacy
• Long-term care or confinement care

I call this the P.I.L.L. test. If your situation doesn’t involve one of these, you don’t need an annuity. That clarity alone cuts through 90% of the sales fluff you’ll hear at those expensive steak dinner seminars.

Why Education Comes First

Every day, between 13,000 and 14,000 people turn 65 years old. That’s thousands of new retirees facing critical financial decisions. And too many are walking into a restaurant for a “free dinner” and walking out with a half-baked annuity pitch that doesn’t match reality.

Education comes first. If you understand exactly what a contract guarantees, then you can make an informed choice. And here’s my rule: if you can’t explain the annuity to a nine-year-old, you shouldn’t sign it.

Join the Stan-tifa Uprising

The annuity world doesn’t need more hype. It doesn’t need another bonus-ridden product or a misleading pitch. It needs a Stan-tifa.

Making annuities great again means stripping away the nonsense, focusing on the guarantees, and empowering people to make decisions with full transparency.

That’s the uprising I’m leading. No politics. No protests. Just the truth about annuities.