The Annuity Man®university

Your source for annuity education. All free. All honest.

Today with Stan
When Should You Buy An Annuity?
July 30, 2026
9 min

In this video, Stan breaks down the income backstops available with Immediate Annuities, including Life Only, Cash Refund, and Installment Refund. He explains how these payout options work, why Life Only offers the highestadoamdaodma oam oadmoam dao moamdoamd oam oa ma

Browse All Videos
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your Retirement Plan Is Not an Annuity Game: Shootin’ It Straight With Stan
Shootin’ It Straight with Stan®
Your Retirement Plan Is Not an Annuity Game: Shootin’ It Straight With Stan
March 20, 2024
Annuities Comparison
Lifetime Income
Retirement Income
What Happens at the End of a MYGA Term?
Article
What Happens at the End of a MYGA Term?
March 18, 2024
About Annuities
MYGA
Retirement Income
How Much Do You Really Need to Retire?
Article
How Much Do You Really Need to Retire?
March 17, 2024
About Annuities
Calculator
Retirement Income
How I Really Feel About Variable Annuities
Article
How I Really Feel About Variable Annuities
March 14, 2024
About Annuities
Annuity Decisions Should Be Simple & Contractual: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®
Annuity Decisions Should Be Simple & Contractual: Shootin' It Straight With Stan
March 13, 2024
About Annuities
Annuities Comparison
Calculator
Andy Panko: Financial Planning Demystified and Unemotional (TAM Classic)
Podcast
Andy Panko: Financial Planning Demystified and Unemotional (TAM Classic)
March 12, 2024
Fun With Annuities®
How I Really Feel About Indexed Annuities
Article
How I Really Feel About Indexed Annuities
March 11, 2024
About Annuities
Calculator
FIA
Annuities vs Market Volatility
Article
Annuities vs Market Volatility
March 10, 2024
About Annuities
Annuities Comparison
Retirement Income
How Much Do You Need to Start an Annuity?
Article
How Much Do You Need to Start an Annuity?
March 7, 2024
About Annuities
Annuities Comparison
Retirement Income
Annuities Will Do What You Contractually Need: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®
Annuities Will Do What You Contractually Need: Shootin' It Straight With Stan
March 6, 2024
About Annuities
Annuities Comparison
Retirement Income
Annuity Examples: Annuity Income Flooring
Article
Annuity Examples: Annuity Income Flooring
March 4, 2024
About Annuities
Annuities Comparison
Lifetime Income
5 Reasons to Own a QLAC
Article
5 Reasons to Own a QLAC
March 3, 2024
About Annuities
Annuities Comparison
QLAC
State Law: Is There a Free Look Period for Annuities?
Article
State Law: Is There a Free Look Period for Annuities?
February 29, 2024
About Annuities
Annuities Comparison
Lifetime Income
Don’t Buy Annuity Hypothetical Annuity Returns: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®
Don’t Buy Annuity Hypothetical Annuity Returns: Shootin' It Straight With Stan
February 28, 2024
About Annuities
Calculator
Retirement Income
Terry Savage: The Savage Truth For Your Money in 2024
Podcast
Terry Savage: The Savage Truth For Your Money in 2024
February 27, 2024
Fun With Annuities®
Lifetime Income Annuity: Single Or Joint Life
Article
Lifetime Income Annuity: Single Or Joint Life
February 26, 2024
About Annuities
Income Rider
Retirement Income
The Truth About Hybrid Annuities
Article
The Truth About Hybrid Annuities
February 25, 2024
About Annuities
Annuities Comparison
Retirement Income
Every American Already Owns an Annuity
Article
Every American Already Owns an Annuity
February 22, 2024
About Annuities
Lifetime Income
Retirement Income
Annuities Can Have Flexible Income Start Dates: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®
Annuities Can Have Flexible Income Start Dates: Shootin' It Straight With Stan
February 21, 2024
About Annuities
Annuities Comparison
Lifetime Income
Are Annuities Safe?
Article
Are Annuities Safe?
February 19, 2024
About Annuities
Annuities Comparison
Calculator
Unlocking Annuity Guarantees for a Worry-Free Retirement
Article
Unlocking Annuity Guarantees for a Worry-Free Retirement
February 18, 2024
About Annuities
Lifetime Income
Retirement Income
How The Economy Affects Annuity Rates
Article
How The Economy Affects Annuity Rates
February 15, 2024
About Annuities
Lifetime Income
Retirement Income
Belt & Suspenders Annuity Strategies: Shootin' It Straight With Stan
Shootin’ It Straight with Stan®
Belt & Suspenders Annuity Strategies: Shootin' It Straight With Stan
February 14, 2024
About Annuities
Annuities Comparison
Retirement Income
Christine Benz: Avoiding Blind Spots in Your Retirement Portfolio Planning (TAM Classic)
Podcast
Christine Benz: Avoiding Blind Spots in Your Retirement Portfolio Planning (TAM Classic)
February 13, 2024
Fun With Annuities®
Retirement Income
When Should You Buy An Annuity?
Video
When Should You Buy An Annuity?
July 30, 2026
Can You 1035 From An Annuity To Life Insurance?
Video
Can You 1035 From An Annuity To Life Insurance?
July 29, 2026
 Fixed Index Annuity Calculator
Video
Fixed Index Annuity Calculator
July 28, 2026
What Is A Life Insurance Annuity?
Video
What Is A Life Insurance Annuity?
July 27, 2026
MYGAs Are Annuity Bonds: Shootin’ It Straight With Stan
Video
MYGAs Are Annuity Bonds: Shootin’ It Straight With Stan
July 26, 2026
What Does A 10-Year Certain And Life Annuity Mean?
Video
What Does A 10-Year Certain And Life Annuity Mean?
July 25, 2026
Fixed Index Annuity Rates
Video
Fixed Index Annuity Rates
July 24, 2026
What Is A Fixed Index Annuity?
Video
What Is A Fixed Index Annuity?
July 23, 2026
Can You Convert A Life Insurance Policy Into An Annuity?
Video
Can You Convert A Life Insurance Policy Into An Annuity?
July 22, 2026
Why People Hate Fixed Annuities
Video
Why People Hate Fixed Annuities
July 21, 2026
The Scars of Scarcity and Your Spending Problem: Fun With Annuities
Video
The Scars of Scarcity and Your Spending Problem: Fun With Annuities
July 21, 2026
Never Put 90% of Your Assets Into Annuities
Video
Never Put 90% of Your Assets Into Annuities
July 20, 2026
Never Put 90% of Your Assets Into Annuities
Video
Never Put 90% of Your Assets Into Annuities
July 20, 2026
What Is The Annuity Man Trifecta?: Shootin’ It Straight With Stan
Video
What Is The Annuity Man Trifecta?: Shootin’ It Straight With Stan
July 19, 2026
How To Use Annuities For Inflation
Video
How To Use Annuities For Inflation
July 18, 2026
How Does An Annuity Work For Retirement?
Video
How Does An Annuity Work For Retirement?
July 17, 2026
Should I Buy A Variable Annuity For Retirement?
Video
Should I Buy A Variable Annuity For Retirement?
July 16, 2026
How To Set Up An Annuity For Retirement
Video
How To Set Up An Annuity For Retirement
July 15, 2026
Are Fixed Annuities A Good Investment For Retirement?
Video
Are Fixed Annuities A Good Investment For Retirement?
July 14, 2026
What Are The Best Annuity Companies For Retirement Income?
Video
What Are The Best Annuity Companies For Retirement Income?
July 13, 2026
Annuity Companies Want Your MYGA to Auto-Renew: Shootin’ It Straight With Stan
Video
Annuity Companies Want Your MYGA to Auto-Renew: Shootin’ It Straight With Stan
July 12, 2026
Are Annuities Intended To Liquidate An Estate?
Video
Are Annuities Intended To Liquidate An Estate?
July 11, 2026
Inherited Annuities and Taxes
Video
Inherited Annuities and Taxes
July 10, 2026
What Do Annuity Companies Invest In?
Video
What Do Annuity Companies Invest In?
July 9, 2026
Annuity vs. CD Comparison
Video
Annuity vs. CD Comparison
July 8, 2026
Fixed Annuity Rates Comparison
Video
Fixed Annuity Rates Comparison
July 7, 2026
The Planned “Stickiness” of Annuity Riders: Fun With Annuities
Video
The Planned “Stickiness” of Annuity Riders: Fun With Annuities
July 7, 2026
Equity-Indexed Annuity vs. Fixed Annuity
Video
Equity-Indexed Annuity vs. Fixed Annuity
July 6, 2026
The Best Income Riders Are Not Annuitized: Shootin’ It Straight With Stan
Video
The Best Income Riders Are Not Annuitized: Shootin’ It Straight With Stan
July 5, 2026
What Is A Participation Rate In An Annuity?
Video
What Is A Participation Rate In An Annuity?
July 4, 2026
Interest Crediting Methods Indexed Annuities
Video
Interest Crediting Methods Indexed Annuities
July 3, 2026
Retirement Annuity Contract And Tax-Free Cash
Video
Retirement Annuity Contract And Tax-Free Cash
July 2, 2026
Thursday Free-for-All: The Annuity Man Q&A - The Annuity Man Live Event
Video
Thursday Free-for-All: The Annuity Man Q&A - The Annuity Man Live Event
July 1, 2026
Annuity vs. Real Estate Investment
Video
Annuity vs. Real Estate Investment
July 1, 2026
What Is The Most Common Bonus In A Bonus Annuity?
Video
What Is The Most Common Bonus In A Bonus Annuity?
June 30, 2026
Variable Annuity Suitability
Video
Variable Annuity Suitability
June 29, 2026
Annuity Guarantees Don’t Change With Account Types: Shootin’ It Straight With Stan
Video
Annuity Guarantees Don’t Change With Account Types: Shootin’ It Straight With Stan
June 28, 2026
Annuities and Taxes
Video
Annuities and Taxes
June 27, 2026
Annuity Quotes
Video
Annuity Quotes
June 26, 2026
Guaranteed Lifetime Income
Video
Guaranteed Lifetime Income
June 25, 2026
Why People Still Hate Annuities
Video
Why People Still Hate Annuities
June 24, 2026
What Is Better Than An Annuity For Retirement?
Video
What Is Better Than An Annuity For Retirement?
June 23, 2026
What Is The Best Annuity To Buy For Retirement?
Video
What Is The Best Annuity To Buy For Retirement?
June 22, 2026
Why You Should Never Annuitize a MYGA: Shootin’ It Straight With Stan
Video
Why You Should Never Annuitize a MYGA: Shootin’ It Straight With Stan
June 21, 2026
Who Regulates Variable Annuities At The Federal Level?
Video
Who Regulates Variable Annuities At The Federal Level?
June 20, 2026
What Is A Secure Guaranteed Retirement Account?
Video
What Is A Secure Guaranteed Retirement Account?
June 19, 2026
Simplest Way To Explain Pros And Cons Of Annuities
Video
Simplest Way To Explain Pros And Cons Of Annuities
June 18, 2026
How Annuity Guarantees Make You a Smarter Investor - The Annuity Man Live Event
Video
How Annuity Guarantees Make You a Smarter Investor - The Annuity Man Live Event
June 17, 2026
How Do Annuities Compare To Other Retirement Investment Options?
Video
How Do Annuities Compare To Other Retirement Investment Options?
June 17, 2026
Are Annuities A Scam?
Video
Are Annuities A Scam?
June 16, 2026
There Are No Annuity Roller Coasters: Fun With Annuities
Video
There Are No Annuity Roller Coasters: Fun With Annuities
June 16, 2026
Annuities Explained Simply
Video
Annuities Explained Simply
June 15, 2026
Keeping Your Powder Dry Annuity Strategies: Shootin’ It Straight With Stan
Video
Keeping Your Powder Dry Annuity Strategies: Shootin’ It Straight With Stan
June 14, 2026
What Kind Of Returns Do Fixed Rate Annuity Contracts Offer?
Video
What Kind Of Returns Do Fixed Rate Annuity Contracts Offer?
June 13, 2026
Can I Buy A Pension Annuity With Savings?
Video
Can I Buy A Pension Annuity With Savings?
June 12, 2026
Can I Buy A House With My Annuity Money?
Video
Can I Buy A House With My Annuity Money?
June 11, 2026
How To Not Get Ripped Off When Buying An Annuity
Video
How To Not Get Ripped Off When Buying An Annuity
June 10, 2026
Can I Borrow From My Annuity To Buy A House?
Video
Can I Borrow From My Annuity To Buy A House?
June 9, 2026
What Is Annuity Protection And How Does It Work?
Video
What Is Annuity Protection And How Does It Work?
June 8, 2026
Annuities Strategies for 80 and 90 Year Olds: Shootin’ It Straight With Stan
Video
Annuities Strategies for 80 and 90 Year Olds: Shootin’ It Straight With Stan
June 7, 2026
Best Providers For RILA Annuities Educational Resources
Video
Best Providers For RILA Annuities Educational Resources
June 6, 2026
How To Find The Terms Of An Annuity Contract
Video
How To Find The Terms Of An Annuity Contract
June 5, 2026
How Does A Reverse Annuity Mortgage Work?
Video
How Does A Reverse Annuity Mortgage Work?
June 4, 2026
Golden Goose of Annuity Confidence: Fun With Annuities
Video
Golden Goose of Annuity Confidence: Fun With Annuities
June 4, 2026
How Does A Charitable Gift Annuity Work?
Video
How Does A Charitable Gift Annuity Work?
June 3, 2026
How Does An Annuity Work When You Retire?
Video
How Does An Annuity Work When You Retire?
June 2, 2026
What Is An Annuity Pension And How Does It Work?
Video
What Is An Annuity Pension And How Does It Work?
June 1, 2026
Contractual Drool Cups & Annuity Diapers: Shootin’ It Straight With Stan
Video
Contractual Drool Cups & Annuity Diapers: Shootin’ It Straight With Stan
May 31, 2026
Why All Annuities Are Commodities
Video
Why All Annuities Are Commodities
May 30, 2026
Why Are Qualified Annuities Often Recommended For Retirement Planning?
Video
Why Are Qualified Annuities Often Recommended For Retirement Planning?
May 29, 2026
How To Understand An Annuity Contract
Video
How To Understand An Annuity Contract
May 28, 2026
How Many Annuity Companies Have Failed?
Video
How Many Annuity Companies Have Failed?
May 27, 2026
Can I Move My Annuity To Another Company?
Video
Can I Move My Annuity To Another Company?
May 26, 2026
What Is The Best Company To Get An Annuity From?
Video
What Is The Best Company To Get An Annuity From?
May 25, 2026
Peel and Play Annuities: Shootin’ It Straight With Stan
Video
Peel and Play Annuities: Shootin’ It Straight With Stan
May 24, 2026
Who Regulates Traditional Life Insurance And Fixed Annuities?
Video
Who Regulates Traditional Life Insurance And Fixed Annuities?
May 23, 2026
What Guarantees A Steady Stream Of Income In Retirement?
Video
What Guarantees A Steady Stream Of Income In Retirement?
May 22, 2026
Fixed Index Annuity vs S&P 500
Video
Fixed Index Annuity vs S&P 500
May 21, 2026
Interest Is Credited To A Fixed Annuity
Video
Interest Is Credited To A Fixed Annuity
May 20, 2026
Retirement Annuity Contract Tax Relief
Video
Retirement Annuity Contract Tax Relief
May 19, 2026
Faith, Fiduciaries and Annuities: Fun With Annuities
Video
Faith, Fiduciaries and Annuities: Fun With Annuities
May 19, 2026
Immediate Needs Annuity Quote
Video
Immediate Needs Annuity Quote
May 18, 2026
Lifetime Income Backstops: Shootin’ It Straight With Stan
Video
Lifetime Income Backstops: Shootin’ It Straight With Stan
May 17, 2026
Guaranteed Lifetime Income In Retirement
Video
Guaranteed Lifetime Income In Retirement
May 16, 2026
What States Do Not Tax Retirement Income And Social Security?
Video
What States Do Not Tax Retirement Income And Social Security?
May 15, 2026
What Is The Most Widely Used Source Of Retirement Income?
Video
What Is The Most Widely Used Source Of Retirement Income?
May 14, 2026
What Is The Median Retirement Income In The United States?
Video
What Is The Median Retirement Income In The United States?
May 13, 2026
What Is The Best Type Of Annuity For Retirement Income?
Video
What Is The Best Type Of Annuity For Retirement Income?
May 12, 2026
Do Fixed Annuities Have A Prospectus?
Video
Do Fixed Annuities Have A Prospectus?
May 11, 2026
Annuities Produce Fun Coupons: Shootin’ It Straight With Stan
Video
Annuities Produce Fun Coupons: Shootin’ It Straight With Stan
May 10, 2026
Are Fixed Annuities A Good Investment?
Video
Are Fixed Annuities A Good Investment?
May 9, 2026
What Is A 3-Year Fixed Annuity?
Video
What Is A 3-Year Fixed Annuity?
May 8, 2026
The Truth About Upfront Bonuses - The Annuity Man Live Event
Video
The Truth About Upfront Bonuses - The Annuity Man Live Event
May 8, 2026
Why Might An Individual Choose A Fixed Annuity?
Video
Why Might An Individual Choose A Fixed Annuity?
May 7, 2026
How Artificial Intelligence Will Affect Annuities
Video
How Artificial Intelligence Will Affect Annuities
May 6, 2026
Where Will My Retirement Income Come From?
Video
Where Will My Retirement Income Come From?
May 5, 2026
Annuitization Sweeping the Nation: Fun With Annuities
Video
Annuitization Sweeping the Nation: Fun With Annuities
May 5, 2026
Do You Pay Taxes On Retirement Income?
Video
Do You Pay Taxes On Retirement Income?
May 4, 2026
What Are Life Insurance Death Bonds?: Shootin’ It Straight With Stan
Video
What Are Life Insurance Death Bonds?: Shootin’ It Straight With Stan
May 3, 2026
Is Foreign Retirement Income Taxable In The US?
Video
Is Foreign Retirement Income Taxable In The US?
May 2, 2026
QLAC Owner’s Manual
Books
QLAC Owner’s Manual
June 12, 2026
MYGA Owner’s Manual
Books
MYGA Owner’s Manual
June 12, 2026
Income Rider Owner’s Manual
Books
Income Rider Owner’s Manual
June 12, 2026
DIA Owner’s Manual
Books
DIA Owner’s Manual
June 12, 2026
SPIA Owner’s Manual
Books
SPIA Owner’s Manual
June 12, 2026
Financial Advisor Magazine: In Uncertain Times, Do Annuities Make Sense?
In the Media
Financial Advisor Magazine: In Uncertain Times, Do Annuities Make Sense?
June 9, 2022
Looking Forward Podcast: Stan The Annuity Man Opens The Firehose Of Annuity Facts As A Featured Podcast Guest
In the Media
Looking Forward Podcast: Stan The Annuity Man Opens The Firehose Of Annuity Facts As A Featured Podcast Guest
June 8, 2022
Guaranteeing Income In Uncertain Times
In the Media
Guaranteeing Income In Uncertain Times
May 12, 2022
Barron’s: Here Are 3 Ways to Get Better Yields Than Bonds, With Some Measure of Safety
In the Media
Barron’s: Here Are 3 Ways to Get Better Yields Than Bonds, With Some Measure of Safety
April 7, 2022
Hack Your Wealth Podcast: Annuities explained: is annuity income a good investment in retirement?
In the Media
Hack Your Wealth Podcast: Annuities explained: is annuity income a good investment in retirement?
October 28, 2021
Get The Skinny On Annuities from the Industry’s Walking Middle Finger of Truth
In the Media
Get The Skinny On Annuities from the Industry’s Walking Middle Finger of Truth
June 17, 2021
16 Things You Need to Know Now About Annuities
In the Media
16 Things You Need to Know Now About Annuities
May 13, 2021
Stan Takes Questions Live on Smart Money Radio Show
In the Media
Stan Takes Questions Live on Smart Money Radio Show
March 25, 2021
Real Estate vs Annuities - Uncensored Financial Debate with Kris Krohn
In the Media
Real Estate vs Annuities - Uncensored Financial Debate with Kris Krohn
March 4, 2021
Stan the Annuity Man®: Why the ‘Annuity Truth’ Beats the Annuity Dream
In the Media
Stan the Annuity Man®: Why the ‘Annuity Truth’ Beats the Annuity Dream
February 18, 2021
Retirement Watch: The #1 Way to Shield Your Retirement from the Inflation Nightmare.
In the Media
Retirement Watch: The #1 Way to Shield Your Retirement from the Inflation Nightmare.
February 18, 2021
The Savings Game: Understanding an Annuity Before You Buy It
In the Media
The Savings Game: Understanding an Annuity Before You Buy It
January 24, 2021
Guaranteed Safe Fixed Income Is Still Possible, If You Know Where To Find It
In the Media
Guaranteed Safe Fixed Income Is Still Possible, If You Know Where To Find It
January 6, 2021
Concerns About Annuity Issuer Failures Are Misguided
In the Media
Concerns About Annuity Issuer Failures Are Misguided
January 4, 2021
The Savings Game: Chances are you’ll need long-term care. How will you fund it?
In the Media
The Savings Game: Chances are you’ll need long-term care. How will you fund it?
December 3, 2020
Miller, ON The Money: How do we pay our bills?
In the Media
Miller, ON The Money: How do we pay our bills?
November 19, 2020
MarketWatch: My grandson says my financial adviser is steering me wrong and double charging me. What should I do?
In the Media
MarketWatch: My grandson says my financial adviser is steering me wrong and double charging me. What should I do?
November 18, 2020
Van Wie Financial Hour: Time to Annuitize
In the Media
Van Wie Financial Hour: Time to Annuitize
November 12, 2020
Economic Warrior: Brutal Discussion with Barry J. Dyke
In the Media
Economic Warrior: Brutal Discussion with Barry J. Dyke
November 11, 2020
Simply Money: DIY Annuities with guest Stan The Annuity Man®
In the Media
Simply Money: DIY Annuities with guest Stan The Annuity Man®
October 15, 2020
The Savings Game: What do you need to retire comfortably?
In the Media
The Savings Game: What do you need to retire comfortably?
September 24, 2020

Talk to Stan The Annuity Man® himself

Get Stan for 30 minutes. No cost for his 3 decades of experience. Prepare yourself for the brutal annuity truth.

Book Your Call with Stan