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.

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027: Social Security Annuity: Why Every US Citizen Already Owns an Annuity

In This Episode:

  • Shouldering or transferring your risk.
  • One of the biggest mistakes that people make with annuities.
  • Buying annuities for what they will do, not what they might do.
  • Understanding what you are buying before you buy regardless of what your annuity agent says.  

Key Takeaways:

  • Social Security is political dynamite that no party wants to touch - it’s going to be there and you’re transferring the risk to the government to pay and they are going to pay.
  • There are really two questions that you have to ask: What do you want the money to contractually do? When do you want those contractual guarantees to start?
  • Social Security is an annuity. An annuity is Social Security. Your pension is an annuity. An annuity is a pension.
  • Do not buy an annuity for the hypothetical, theoretical, back-tested, projected, hopeful-agent return scenarios. Don't buy the dream, because you're going to own the contractual realities.
  • There is never, ever, ever, ever an urgency to buy an annuity, no matter what anybody tells you. Ever.

"Social Security recipients vote, and because Social Security recipients vote, that annuity will never be touched by politicians, period." – The Annuity Man



If you listen to podcasts on retirement planning, personal finance, financial advice, wealth management, or retirement income planning...then The Annuity Man Podcast needs to be added to your rotation.

Stan The Annuity Man is your host and annuity guru on The Annuity Man Podcast. In addition to being the retirement answer man, Stan is known as “America’s Annuity Agent” and an undisputed thought leader for the annuity industry. Licensed in all 50 states and representing all carriers, The Annuity Man has also developed proprietary annuity calculators to find the highest contractual guarantees for your specific situation and goals.

Each weekly podcast is a brutally factual onslaught of annuity truth. No sales pitches or bad chicken dinner annuity seminars here. No social security bait and switch sales tactics or “too good to be true” sales pitches. Stan covers specific product types, how they can work in your portfolio, and the unique benefits and limitations of each annuity type. He also explains both common and proprietary annuity strategies that your typical agent or advisor will not cover.

When people say that they “hate all annuities,” it’s like saying you hate all restaurants or all shoes. Not only is it ridiculous, but it’s hypocritical because every single U.S. citizen already owns a lifetime income annuity. That transfer of risk pension guarantee is called Social Security. Yes, Social Security is the best inflation annuity on the planet, and part of your overall guaranteed income floor. Certain types of annuities can also be used to build that needed income floor.

Most people think that it is impossible to have a weekly podcast on annuities. Is there that much to say? Are there that many annuity types? Are there that many annuity strategies available to analyze? The answer to all of those questions is a resounding YES. The Annuity Man Podcast is the go-to resource for the over 10,000 baby boomers hitting retirement age every single day. That demographic tidal wave of retirees is looking for contractual guarantees and strategies that will ensure the desired lifestyle during “Chapter 2” of a person's life.

The Annuity Man Podcast is primarily Stan The Annuity Man sharing his decades of experience in the annuity industry. His consumer advocate type approach to annuities is brutally factual and focuses on the contractual guarantees of the policy. There will be guests on the podcast if Stan’s believes that the listening consumer will benefit from the insights and information provided. In other words, if a guest makes it on The Annuity Man Podcast, then they are worth listening to.

Below are some of the topics that have already been covered on The Annuity Man Podcast.

  • What is a Single Premium Immediate Annuity (SPIA)?
  • What is a Deferred Income Annuity (DIA)?
  • What is a Multi-Year Guarantee Annuity (MYGA)?
  • What is a Qualified Longevity Annuity Contract (QLAC)?
  • What is a Fixed Index Annuity (FIA)?
  • What is an Income Rider?
  • How do I choose the right annuity type?
  • How do Interest Rates affect different annuity types?
  • How to create a Guaranteed Income Floor?
  • Decoding annuity sales pitches & misleading advertising
  • Unique Annuity Man strategies that contractually work
  • How the annuity buying process works with The Annuity Man
  • How to determine if you even need an annuity
  • Which is better…CDs or MYGAs?
  • Do you need contractual Income Now or Income Later?
  • Explaining annuitization structuring choices
  • How to build your Guaranteed Income Floor
  • The Safety & Suitability of Annuities
  • What do annuities contractually solve for?
  • Potential vs. Contractual annuity returns
  • How annuity confinement care riders & enhanced benefit payouts Work
  • How The Secure Retirement Act & DC affect annuities
  • How annuity companies make money on your annuity
  • How to shop for an annuity to get the best deal
  • What to look out for with over-hyped annuity sales pitches
  • Social Security Annuity: Why every US citizen already owns an Annuity
  • Annuity Death Benefits: How they work & the choices offered
  • Retirement Annuities: Which type is right for you?
  • Annuity Calculators: How to use them for maximum results
  • Annuity Transfers: How the process works and should you do it
  • Annuity Financial Advice for Seniors & Baby Boomers
  • Annuities vs. Life Insurance: Which is better & how do they differ?
  • Annuity Laddering Strategies: How they actually work
  • Should you transfer your 401k retirement plan to an annuity?
  • Inherited Annuities: What are your specific choices?
  • Timing your annuity purchase…is it possible?
  • Pension Payment or Lump Sum: Which one do you take?
  • Annuities vs. The Stock Market: The brutal truth

A lot of these topics were suggested by listeners and clients so that they could better understand a specific topic or product. You can do the same. Just email Stan The Annuity Man at or call him at 800.509.6473. You can also submit questions or topic ideas by mail to The Annuity Man - P.O. Box 2225 - Ponte Vedra Beach, FL 32082.

Educating yourself on all things annuity and retirement starts today. It starts with The Annuity Man Podcast. You can find it on all major podcast platforms and on-demand replays can be accessed on