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John Lenz: The State of The Annuity Union

Table of Contents

John Lenz: The State of The Annuity Union

Stan Haithcock

November 7, 2023

John Lenz: The State of The Annuity Union

In this episode, The Annuity Man and John Lenz discuss:

Don’t lose track of your renewal rate
Laddering Multi-Year Guarantee Annuities
Reasons for buying a QLAC
Suitability regulations‌

Key Takeaways:

Insurance companies are for-profit institutions. Historically, insurance companies have renewed annuities at a lower rate than new money rates, but not everybody, and not all the time. Don’t lose track of your renewal rate, keep the company honest.
Nobody can predict interest rates. Given all that we don't know, having a MYGA ladder is not a bad idea. Currently, we're at interest rate levels that if you have enough money, you can live off the interest and lock it in long-term.
Tax savings shouldn’t be the primary reason why someone buys QLACs. Buy QLACs if you want lifetime income, joint lifetime income, or if you want to combat inflation. Tax savings are a good benefit of buying a QLAC, but it should be the tertiary reason for doing so.
Suitability is a term that says the annuity that your agent is proposing to you is suitable for you based on a number of things your age, your liquidity, your understanding of your money, your net worth, your income, and your expenses.

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"You got to advocate and go out there and make sure your money is not sitting around making somebody else profit instead of you" — John Lenz

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Connect with John Lenz:

Website: Lenz Financial Group

Connect with The Annuity Man:

Website: Stan The Annuity Man® | Brutally Honest Facts About Annuities

Email: [email protected]

Book: Owner’s Manuals: Annuity Owner’s Manuals: Free PDF Versions | The Annuity Man

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‍Fun With Annuities Podcast is hosted by America’s Annuity Agent®, Stan Haithcock, The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all 50 states. Author of 7 books, Stan dives deep on all annuity types and strategies. It’s fun, learning the contractual truths on how annuities actually work and if they’ll fit your personal retirement lifestyle.

Listen in on how you can be livin’ the reality, not the dream. Listen and subscribe on Libsyn, Stitcher, Apple Podcasts, Google Podcasts, Amazon Podcasts, and Spotify.

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Shootin’ It Straight with Stan®

There’s No ROI Until You Die With Lifetime Income Annuities: Shootin’ It Straight With Stan

Today's topic is: There’s No ROI Until You Die With Lifetime Income Annuities. It's a great little quippy rhyme: there's no ROI until you die. ROI is the return on investment.

Annuity Ladder: Does It Create a Higher Payment?

Annuity Ladder: Does It Create a Higher Payment?

What are we talking about today? Annuity ladders. Do annuity ladders, laddering annuities, create a higher income stream? Maybe. Good question, but let's dig deeper into how to structure annuity ladders, how they work, and why you should consider them.

How Does a Fixed Index Annuity Work?

How Does a Fixed Index Annuity Work?

This is a hot topic, not the clothing line for you youngsters out there. How does a Fixed Indexed Annuity work? The Panacea product, the too good to be true, the bad chicken dinner seminar, the good steak dinner seminar where you get the filet mignon.

Retirement Tips: 3 Ways to Have Money Hit Your Bank Account

Retirement Tips: 3 Ways to Have Money Hit Your Bank Account

Today, we will talk about three ways to have money hit your bank account, which we all would like. I call that the income floor, which is the guaranteed income floor.

How the Annuity Sausage is Made: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

How the Annuity Sausage is Made: Shootin' It Straight With Stan

Today's topic is a great one: How the Annuity Sausage Is Made. Now, I'm not going to go into the depths of the actuaries sitting in their closets, running the numbers, etc., but I'm going to give you the 30,000-foot view of how this all works, and it'll make sense to you once I get done.

Roger Whitney: How To Rock Your Retirement (TAM Classic)

Roger Whitney: How To Rock Your Retirement (TAM Classic)

The majority of planning which feeds the mindset of this very uncertain world is always gonna default to denying today, and that’s not right because tomorrow isn’t promised to anyone. You gotta be a good steward.

Annuity Quotes: How to Structure for Future Income

Annuity Quotes: How to Structure for Future Income

Today, we're talking about how to structure income for the future with annuities or annuity quotes, as they say. A good annuity quote is, will do not, might do. You buy an annuity for what it will do, not what it might do.

An Immediate Annuity Has Been Purchased With a Single Premium (SPIA)

An Immediate Annuity Has Been Purchased With a Single Premium (SPIA)

Hi, I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Yes, we will talk about Single Premium Immediate Annuities, the granddaddy of all annuities, how that works, and why you might consider that for a lifetime income stream.

Retirement Lifestyle: 3 Tips to Financially Care for Your Loved Ones

Retirement Lifestyle: 3 Tips to Financially Care for Your Loved Ones

I'm Stan The Annuity Man, America's annuity agent, licensed in all 50 states. What I'm doing is kind of answering the questions of how do I do this? How do I take care of my loved ones financially? Now, there's a myriad of ways to do that.

The Perfect Annuity Does NOT Exist: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

The Perfect Annuity Does NOT Exist: Shootin' It Straight With Stan

Today's topic is, the perfect annuity does not exist. It does not. Even though you might have heard something at the bad chicken dinner, expensive steak dinner seminar, or some online product presentation where it sounded too good to be true.

MYGA: The Annuity Industry’s CD

MYGA: The Annuity Industry’s CD

The simplicity of the shirt is what we're going to be talking about today. The simplicity of Multi-Year Guarantee Annuities and how they work. And, by the way, Multi-Year Guarantee Annuities are the industry's version of a CD, a Certificate of Deposit.

The Reality of Life With 20 Year Certain Annuities

The Reality of Life With 20 Year Certain Annuities

Today's topic is one that I've wanted to do for a long time, and I got a call the other day that triggered it. The topic is the realities of life with a 20-year certain or joint life with a 20-year period certain, Immediate Annuity, or Deferred Income Annuity.

Retirement Tips: How to Talk Annuities With a Spouse

Retirement Tips: How to Talk Annuities With a Spouse

Today's topic is interesting: how to talk to your spouse or partner about annuities and how to start telling them about contractual guarantees because most people, when you hear the word annuity, it either equals hate or it's a curse word.

The Cost of Waiting to Purchase an Annuity: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

The Cost of Waiting to Purchase an Annuity: Shootin' It Straight With Stan

Today's topic is the cost of waiting to purchase an annuity. Now I know what you're saying. Wait a minute. That sounds like a sales pitch. That sounds like some type of an angle for me to buy now, Stan. Are you pushing me to buy now?

Steve Parrish: Rational and Phased Retirement Planning (TAM Classic)

Steve Parrish: Rational and Phased Retirement Planning (TAM Classic)

Retirement is not just an event, it’s a change in life. Think of the behavioral and emotional aspects of it, not just the money. But when it comes to money, keep these three things in mind: your social security, medicare, and your benefit pension plan.

Can You Take Your Money Out of an Annuity?

Can You Take Your Money Out of an Annuity?

In this blog, I'll discuss the different types of annuities and how you can withdraw money from them, whether it's interest, lifetime income, or withdrawals. We'll cover all of that in detail.

Pros and Cons of SPIAs

Pros and Cons of SPIAs

Today's topic is a very good one. We're going to go over the pros and cons of SPIAs, Single Premium Immediate Annuities, and then some of the payout options that you should consider, as well as how they work, which is very, very important.

What Happens to a Pension Annuity When You Die?

What Happens to a Pension Annuity When You Die?

Here's what we're talking about when I say pension annuity: it really comes down to three types of products. The first is a Single Premium Immediate Annuity, which is the granddaddy of all annuities. It's a pure transfer of risk.

Always Reverse Engineer Annuity Income Quotes: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

Always Reverse Engineer Annuity Income Quotes: Shootin' It Straight With Stan

Today's topic is always reverse engineer annuity income quotes. "What do you mean by reverse engineer, Stan? You do not look like an engineering student or someone who could major in engineering."

Annuity Income: Do You Need It to Start Now or Later?

Annuity Income: Do You Need It to Start Now or Later?

Hi there. Stan The Annuity Man, America's annuity agent, licensed in all 50 states, including yours. Today's topic is excellent and stems from the question, do you need income to start now or income to start later?

Are Fixed Index Annuities for You?

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?

Annuity Fees: What To Expect

Annuity Fees: What To Expect

Hey, Stan The Annuity Man, America's annuity agent, licensed in all 50 states. Today, we're going to talk about annuity fees. Who else in the world is going to speak about annuity fees but me, Stan The Annuity Man.

Keep Your Powder Dry Annuity Income Planning: Shootin' It Straight With Stan

Shootin’ It Straight with Stan®

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.