001: Welcome to The Annuity Man Podcast!

0:04
welcome to

0:05
fun with annuities with your host me

0:07
stan

0:08
the annuity man america's annuity agent

0:11
can annuities be fun

0:12
can contractual guarantees be fun

0:14
absolutely they can find out the brutal

0:17
facts about annuities

0:19
with no sales pitches or high pressure

0:21
nonsense

0:22
just the brutal and factual annuity

0:25
truth which is all you need to hear

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let's have some fun with annuities and

0:29
let's have that fun start

0:31
right now

0:36
hey this is stan the annuity man and

0:38
welcome to fun

0:40
with annuities and what i'm going to do

0:42
today is go through kind of a 10

0:44
question format that i've laid out for

0:46
myself that will answer a lot of the

0:48
questions

0:49
that you might have about what this

0:50
podcast is all about i can tell you one

0:52
thing it's not some sales pitch so

0:54
relax it's just going to be informative

0:56
it's going to be a fire hose of

0:57
information

0:58
so let's get to the questions question

1:00
number one is who am i

1:02
standing nudity man my last name is

1:03
hathcock h-a-i-t-h-c-o-c-k if you want

1:05
to pull that up but that kind of

1:07
answers why it's stan the annuity man i

1:09
was named after stan musial the baseball

1:11
player

1:12
for those of you that remember who that

1:13
was been married for 31 years at the

1:16
time of this

1:17
recording i have two daughters that are

1:19
20 and 22

1:21
in college i was born in delaware grew

1:23
up in north carolina and kind of some

1:24
fun facts about me

1:26
i played division one basketball on

1:27
scholarship so i put myself through

1:29
school

1:29
shooting a basketball i'm six foot six

1:32
but my passion is really music i'm not a

1:33
musician but i

1:34
truly am passionate about it and one of

1:37
my hobbies is to travel the country

1:40
seeing concerts i'm that big tall guy in

1:42
the back that they think security and

1:43
it's not really

1:44
a security it's standing annuity man

1:46
number two how did i get here

1:48
i have really been in the financial

1:50
services business since i graduated from

1:52
college first i was with a firm called

1:54
dean witter you might remember and then

1:56
they were purchased by morgan stanley

1:58
and then i went to a small firm called

2:00
payne weber you might remember payne

2:02
webber and they were purchased by ubs no

2:03
one tries to

2:04
or plans to become stan the annuity man

2:07
and create the annuity man podcast kind

2:09
of happen by chance but i'm glad i'm

2:11
here because i feel like i'm an

2:12
i'm an educator first i am the top

2:14
independent age in the country

2:16
and i'm licensed in all 50 states but i

2:18
am an educator first because you need to

2:20
understand what you're buying so

2:22
what i've developed is kind of a unique

2:24
contractual guarantees only approach i

2:26
only look at the contractual guarantees

2:28
of

2:28
policy we do not you know make any

2:30
decisions on hypotheticals theoreticals

2:32
back-tested hopeful return scenarios

2:35
it's on what the contract is going to

2:37
give you and i think that's what

2:38
annuities are all about the transfer

2:39
risk contracts

2:40
that you should be making the decision

2:42
on the contractual guarantee

2:44
i've developed a direct-to-consumer

2:46
model i'm licensed in all 50 states i

2:47
don't meet with clients we do it over

2:49
the phone and internet

2:50
but that wasn't some epiphany i had to

2:52
hurt my back initially when

2:54
stanley knew him and was out there i was

2:55
on jets all the time i put 275 000

2:58
miles on my hybrid and i hurt my back

3:00
and i had to figure out how to do this

3:02
and still provide the value and quality

3:05
and truthful brutal facts to my clients

3:07
and we have developed a

3:08
direct-to-consumer model i think it's

3:10
very consumer-friendly because you can

3:11
get a quote you can get my books you can

3:13
get everything

3:14
without someone showing up at your door

3:15
or someone calling you all the time i

3:17
treat you like a professional i'll leave

3:18
you alone to make a good decision

3:20
after answering all your questions and

3:21
providing as much

3:23
information as i humanly can so it's a

3:26
contractual guarantees

3:27
only business model which really kind of

3:29
sets me apart

3:31
number three what have i done i consider

3:33
myself an edutainer i'm an entertainer i

3:36
think kind of

3:37
but i'm i'm education focused so when

3:40
you listen to this podcast it's going to

3:41
be fun it's not going to be droney

3:43
we're going to have some fun i'm going

3:44
to educate you i'm going to answer all

3:45
the questions tell you the good and the

3:46
bad

3:47
but i consider myself a professional

3:49
writer and speaker i do get paid to

3:50
speak for a living

3:52
in addition to being an agent and

3:53
selling annuities when they are

3:54
appropriate and suitable i am a writer

3:56
i've published eight books

3:58
i've published over 400 articles i have

4:02
one of if not the top information

4:04
annuity blog

4:05
on the planet it's at the

4:07
annuityman.blog or you can get there

4:09
from my site the annuityman.com and then

4:11
click and go to the blog

4:12
so i do so a lot of keynote speaking as

4:15
i said i'm licensed in all 50 states

4:17
and i you know i'll be the first one to

4:19
tell you if you don't need an annuity if

4:20
it's not suitable and appropriate

4:22
doesn't fit your goals

4:23
then you know i'm going to say not to

4:25
buy one so in essence

4:27
it really comes down to four things and

4:28
the acronym i've come up with is pill p

4:30
stands for principal protection i stands

4:32
for income for life

4:34
l stands for legacy and other l stands

4:36
for long-term care and if you don't need

4:37
to solve for one of those four problems

4:39
or issues then guess what you don't need

4:42
an annuity if you say

4:43
hey i want an annuity for market growth

4:45
you probably shouldn't buy an annuity

4:46
you should just go buy mutual funds or

4:48
stocks that's my opinion so

4:50
number four what am i about like i said

4:52
just sell fixed annuities and and you

4:54
know there's

4:55
numerous types there's immediate

4:56
annuities and q lakhs and diaz and micas

4:58
and fixed rate annuities etc during

5:00
the podcasts i'm going to go deep into

5:04
these and you're going to learn

5:05
everything you want to know about them

5:06
good and bad i do not sell variable

5:08
annuities and it's not because i

5:11
hate them it's just because i think if

5:12
you want market growth you can do better

5:14
just buying stocks and

5:15
mutual funds and things like that i

5:17
don't sell long-term care though so life

5:19
insurance that they'll say meds up

5:20
it's all annuities all the time and it's

5:22
fixed annuities

5:24
contractual guarantees my mantra i guess

5:27
if you're stand the annuity man you call

5:28
it a stantra

5:29
right is will do not might do you own an

5:32
annuity for what it will do

5:34
not what it might do the will do is the

5:36
contractual guarantees that might do is

5:38
all the hypotheticals and theoreticals

5:40
you see at the bad chicken dinner

5:41
seminars you buy it for the contractual

5:43
guarantees why

5:44
because guess what annuities are

5:46
contracts

5:47
so let's not forget that they're not

5:50
investments they're contracts

5:51
and people say what do you mean when you

5:53
buy one

5:54
from me i'll send you the contract

5:56
policy contract whatever you want to

5:58
call it so

5:59
because my focus is just education and

6:02
contractual guarantees only

6:04
you know i have been called you know the

6:06
annuity consumer advocate out there and

6:08
i and i take that moniker proudly

6:10
but i've also been effectually and

6:12
accurately called the walking middle

6:13
finger of annuity truth which

6:15
means that i am not going to bs you i'm

6:18
not going to buffalo you i'm not going

6:19
to

6:20
nibble around the edges i'm going to

6:21
tell you the truth about these products

6:23
and you're going to know exactly how

6:25
they work and and you're going to be

6:26
able to make a good decision based on

6:28
information that's factual both good and

6:31
bad limitations and benefits

6:32
number five what will the show and

6:34
podcast be about

6:36
just the full explanation of all annuity

6:39
types

6:40
and the benefits of of each one and the

6:43
limitations of each one

6:45
so i know there's a lot of noise out

6:47
there and a lot of misinformation and

6:49
the annuity industry

6:51
the marketing side of it unfortunately

6:52
is the wild wild west it's not the

6:54
carrier's fault

6:56
it's just it's it's just hard to

6:58
regulate

6:59
internet etc and ads and what agents say

7:02
and sometimes they're pushing the

7:04
envelope on what these products can do

7:06
as i always tell people if it sounds too

7:07
good to be true

7:09
without exception every single time that

7:12
is the case with annuities so if it

7:13
sounds too good if you turn to your

7:15
spouse and say wow that sounds just

7:17
ridiculously good

7:19
it's not what they're pitching okay

7:21
there's no product like that if there

7:22
was a product like that

7:24
then the fed would buy just that annuity

7:26
type

7:27
and game would be over right so it's

7:29
just the full explanation how they fit

7:31
how they complement a portfolio how to

7:34
determine if you even need

7:35
a specific annuity type i'll tell you if

7:38
you don't

7:39
i'm not going to fit a square peg into a

7:40
round hole i'm going to tell you

7:42
if it fits and if it fits then what's

7:44
the proportion

7:45
or allocation that fits too many times

7:48
people put

7:49
too much money into an annuity where

7:50
they should be putting less money or

7:52
laddering approach

7:54
so i'm very pragmatic about that and

7:56
i'll also teach you kind of what to

7:58
watch out for you know all the fraud out

8:00
there how to protect yourself

8:01
some of the things that i will tell you

8:02
to do in in a sales presentation to kind

8:05
of

8:05
flush out the truth and you need to know

8:07
how to do that so

8:09
the mission of this podcast the sixth

8:11
question what is the mission

8:12
i guess it's to be the go-to source i

8:14
mean i've been the go-to source i

8:16
believe

8:17
in the industry for really factual

8:18
information there's some good people out

8:20
there

8:20
doing what i do but there's also some

8:22
people that push the envelope or really

8:23
haven't done their research on the

8:25
product

8:26
or products enough to do the customer a

8:28
good service so i want to be the go-to

8:30
source for that all things annuity

8:31
that's really what i do that's the

8:33
stand the annuity man brand that's the

8:35
brutal annuity truth

8:36
i want to give you the facts about these

8:38
products i want you to to walk

8:40
away from these podcasts or if you go to

8:42
my blog and listen to the replays or you

8:44
know

8:44
i want you to know what it is if you're

8:46
getting pitched something i need

8:48
you to know well i can go to stand

8:50
annuity man and find out what the what

8:51
the facts are

8:53
and what the benefits and limitations of

8:55
each type of annuity because

8:56
each one each type is is unique and

8:59
offers a unique benefit proposition but

9:01
also has unique limitations as well

9:03
the podcast will kind of tell you what

9:05
to look out in kind of a

9:07
a wild wild west sales environment again

9:10
not the carrier's fault they do the best

9:12
they can in the state

9:13
you know fixed annuities are regulated

9:15
the state level not the national level

9:16
so

9:17
if someone's running a misleading ad on

9:20
the internet or on tv and it's national

9:22
it's like herding cats who who goes

9:24
after it but i'll tell you how to filter

9:25
through all of that

9:26
and i'm hoping that you guys will

9:28
interact with me at stan at the

9:30
annuityman.com and say

9:31
you know cover this in your next podcast

9:33
i certainly will number seven who is

9:35
this podcast for

9:36
it's for the annuity consumer it is not

9:38
for the annuity industry

9:40
i have nothing against the annuity

9:41
industry i i disagree with a lot

9:43
that that's happening i agree with a lot

9:45
that's happening but it's not for them

9:47
it's not for the agents it's not for the

9:48
advisors i'm sure they're going to

9:50
listen i hope they do

9:51
i hope they can learn some things but

9:53
it's for the consumers for the person

9:54
that's looking to

9:55
educate themselves on annuities whether

9:58
they own one now

10:00
and want to find out a little bit more

10:01
about it or if they're considering one

10:02
or

10:03
someone's trying to sell them one you

10:05
know the podcast

10:06
is for the person that's looking for

10:09
contractual guarantees

10:10
and maybe needing to transfer some risk

10:13
because in essence that's what annuities

10:15
are risk transfer products

10:16
you know it's for the person that wants

10:18
the truth about these products with

10:20
without any that pitchy stuff just the

10:23
facts

10:23
that's what i'm going to do and

10:25
hopefully i can send you my books and

10:27
and you can read those on your own term

10:28
and the blog will have all kinds of

10:30
questions as well

10:31
and then we can get your quotes you know

10:33
and not you know pest you to death just

10:35
give you the quotes and then

10:37
treat you as a professional grown up if

10:39
you want to engage with us and have us

10:40
be your agent that'd be great

10:42
if not that's fine too i hope that we

10:43
can just help you make the right

10:45
decision

10:46
it's also for the person that kind of

10:47
wants you know just

10:50
just to be left alone and to decide on

10:52
their own time

10:53
frame i always tell people there's no

10:55
never an urgency to buy an annuity

10:57
there's never an urgency

10:58
to buy a contract the urgency truly is

11:01
to understand the contract

11:03
and then that comes down to you and that

11:05
means it's on your terms right because

11:07
you're the only one

11:08
that knows when you're ready or when you

11:10
fully understand

11:12
it's also for the person that want to be

11:13
called all the time you know

11:15
have someone come to their house etc if

11:18
that's you then then you're going to

11:19
like this podcast and if you choose to

11:21
do business with us that's great too if

11:22
not that's fine

11:24
but at the end of the day you know this

11:27
podcast is for the person that knows if

11:29
it sounds too good to be true it is

11:30
every single time with annuities

11:32
and they just want to know the full

11:34
story so they can make a good decision

11:36
this podcast is going to be the answer

11:39
for all of that

11:40
and it's going to be a long-termer i'm

11:42
going to do this forever

11:44
so i think you're going to really enjoy

11:46
it so that's who the podcast for know

11:48
the question number eight

11:49
why should you listen and what's in it

11:51
for you what will you get out of it

11:53
you know as i've kind of said i'll kind

11:54
of repeat it again because i want you to

11:56
be very clear

11:57
you know it's going to be brutally

11:59
factual i'm not going to sugarcoat

12:01
anything i'm going to teach you how not

12:04
to be swayed by

12:04
a lot of these hypothetical theoretical

12:06
and back-tested

12:08
proposals that agents show you and they

12:10
should be showing you the contractual

12:12
guarantees because that's what you

12:13
should be

12:14
basing your decision on solely

12:17
never buy you know remember will do not

12:19
mind do you own annuity for what it will

12:21
do not what it might do

12:23
the other reason to listen is to

12:24
understand that

12:26
annuity types regardless of the type all

12:28
of them are commodity type products

12:30
which means that

12:31
you need to to quote all carriers i

12:34
represent pretty much everyone out there

12:36
we quote all carries people always say

12:38
stay in the union which what's your

12:40
favorite annuity

12:41
the one that has the highest contractual

12:42
guarantee now obviously we look at

12:44
ratings and comdex scores and

12:46
the viability of the companies but at

12:48
the end of the day i go into every quote

12:50
every customized quote that someone

12:51
asked for

12:52
and i have no clue who's going to

12:55
finish first in the quote because

12:57
getting an annuity quote is like buying

12:58
a gallon of milk seven days after you

13:00
buy it it's spoiled and you've got to

13:01
get another gallon of milk

13:03
annuity quotes last about seven to ten

13:05
days unless you lock them in and start

13:06
filling out the paperwork

13:08
okay so you have to understand and

13:10
buying annuities like kind of like

13:11
buying a plane ticket

13:13
when you buy a plane ticket you don't go

13:14
in there thinking i'm gonna buy it from

13:16
this

13:16
carrier unless you're trying to get

13:18
points right no you just punch in where

13:20
you want to go and you get the best deal

13:22
same exact thing for annuity so when

13:24
agents say i have the best one for you

13:26
translation and unfortunately most of

13:28
the time it's the best one for them or

13:29
they've only

13:30
learned a couple of products and they're

13:32
not just going off that contractually

13:34
guarantees only model

13:37
so in essence you know why should you

13:40
listen and what's in it for you if you

13:42
remember just two questions about

13:44
annuities people say well it's hard to

13:46
decide

13:47
what kind to get it comes down to two

13:49
questions first question is what do you

13:51
want the money to contractually do

13:53
the second question is when do you want

13:56
those contractual guarantees to start

13:58
so again what do you want the money to

14:00
contractually do number

14:02
two when do you want those contractual

14:03
guarantees to start from those two

14:05
questions

14:06
then we can determine hey if you need an

14:08
annuity but let's just say

14:10
from those questions annuity might fit

14:12
it's worth getting a quote

14:15
then from those two answers for those

14:16
two questions i can tell you what type

14:19
you need to look at not all types right

14:21
because they all do different things

14:23
so the format of the show will initially

14:26
be

14:27
just me you know building the foundation

14:29
of information that people can go to and

14:31
use and

14:32
it's probably going to be just me you

14:34
know riffing like i'm doing right now

14:35
talking about i'm very knowledgeable on

14:37
the subject obviously i'm very confident

14:39
about what i do and who i am and the

14:41
brand that

14:43
stands behind the contractual guarantees

14:45
only message

14:46
but you know in the future there might

14:48
be some some interviews with some people

14:50
that i think might bring value to the

14:51
consumer

14:53
and to educate the consumer more so they

14:55
can make a better decision

14:57
there's really no time limit on the show

14:58
i i wanted to be free form i thought a

15:00
lot about that

15:02
i think i have kind of my own filter

15:03
that i know when i'm going on too long

15:06
so but we're gonna i'm gonna cover it

15:07
i'm not gonna limit myself

15:09
so i'm gonna cover it and if you want to

15:10
come back and listen it's too long

15:12
that's fine

15:13
but i'm really there's really no like

15:16
marketing goal

15:17
other than let's get the facts out there

15:19
let's get the truth out there let's cut

15:21
through all the mess

15:22
and let's let the consumer have the

15:24
information on their own terms so they

15:25
can make a decision

15:26
period now is that self-serving

15:29
absolutely would i love you as a client

15:31
shoot what you heck yeah but if if you

15:34
just use it to filter information to

15:36
make a decision with your

15:37
you know your brother-in-law or a good

15:38
friend that's an advisor to buy the

15:39
right annuity then i've done my job

15:42
seriously so the format of the show will

15:45
be factual

15:46
i would say the most of the time it'll

15:47
be me and then

15:50
there can be you know there will be in

15:52
the future i'm assuming

15:54
some guests that i think will bring

15:56
value and you know

15:58
and we'll definitely do that when the

16:00
time is right

16:01
and the last question and and somebody

16:03
asked me this because i was telling them

16:04
what we're getting ready to do you know

16:06
why is this important

16:08
and i think i just kind of cover that is

16:09
because when you hear

16:11
all of these ads out there that say i

16:13
hate annuities

16:15
or or you see somebody write something

16:17
in a in a financial magazine that just

16:19
really is uninformed about

16:21
all annuities are bad or all annuities

16:24
have high fees all of that's nonsense i

16:26
mean to say you hate annuities is as

16:28
dumb as you say

16:29
saying i hate all restaurant or i hate

16:31
all shoes

16:32
to say that all annuities are expensive

16:35
i mean

16:36
most of the annuity types have no annual

16:39
fees but everyone has this

16:41
thing in their head that and it's

16:43
typically attached to a variable annuity

16:45
article or information they have

16:47
that all annuities are high in fee and

16:49
even with the variable annuity that's

16:50
not true as well because there are such

16:52
things as

16:53
no load variable annuity so all of these

16:56
broad brush blanket statements about

16:59
annuities i hate annuities all annuities

17:00
are bad all the news is expensive

17:02
that's just garbage so this this podcast

17:05
is going to dispel

17:06
factually all of that and you have to

17:08
understand

17:10
that when someone is blasting i hate

17:12
annuities or all annuities or bad

17:13
there's an agenda behind that you have

17:15
to see through that

17:17
don't make them a bad person they're

17:18
just marketing it is what it is but you

17:20
don't believe everything on television

17:21
either i mean you don't believe all news

17:23
so you can't believe

17:24
all of that but i've been very surprised

17:26
how people just all

17:27
well you know annuities are bad because

17:29
i heard it really i mean

17:31
you can't be that that gullible right

17:33
because you're not that gullible with

17:34
with

17:34
news i guarantee it so this podcast is

17:38
important because it is the

17:39
anti-venom for misinformation

17:43
or uneducated blanket statements that a

17:46
lot of the

17:47
financial uh journalists that don't know

17:49
a lot about news are saying or people

17:51
that are marketing their product or

17:52
saying to put it down

17:54
so that's that's really you know

17:57
gonna be what it's about because i

17:58
always say to people if you hate

18:00
annuities then you have to hate your

18:01
social security payments

18:03
you know if you hate annuities then if

18:05
you're getting a pension then you have

18:06
to hate a pension

18:08
because at the end of the day most

18:10
annuities are for income

18:11
and the word annuity comes from the word

18:13
annual a nnua

18:15
is a latin word and annuities were

18:18
initially introduced in the roman times

18:20
to pay

18:20
a lifetime income stream for the

18:22
families of the dutiful roman soldiers

18:25
that's where annuities came from so

18:27
they've been around forever their

18:28
pension products primarily

18:30
but there are also some out there that

18:32
are principal protection products that

18:34
aren't income products so you can't say

18:36
you hate annuities because if you say

18:37
that then you hate cds

18:39
so again it's case closed on the hate

18:42
stuff that's crazy

18:43
all right it's it's just it's not

18:46
helping anybody because

18:48
there's so many people that want

18:50
contractual guarantees out there

18:52
and they just want the facts and they

18:53
just want you know the best quote

18:56
annuities do have their value

18:57
proposition annuities are the only

18:59
product type

19:00
on the planet that provide lifetime

19:02
income regardless of how long you live

19:05
period so you know people will say

19:08
what's the roi

19:09
on an on an income annuity i don't know

19:11
until you die

19:12
i would say you know 99 i wouldn't say

19:15
99

19:16
i guess that's kind of that's kind of

19:18
angry

19:19
but sometimes it feels like that a lot

19:21
of the information you're seeing out

19:22
there on annuities

19:23
especially the index annuities and

19:26
things like that

19:27
are really a kind of a veiled sales

19:28
pitch they're talking about as education

19:30
but at the end of the day they're

19:31
pitching something

19:33
and that this this podcast will not be

19:35
like that

19:36
because you know these people are trying

19:38
to steer you into their product of

19:40
choice

19:40
which is in my world a commission square

19:43
peg into a round client hole right

19:45
i mean remember that annuities

19:48
all of them pay commission there's no

19:50
philanthropist out here okay

19:52
all of the ones that agents sell

19:54
including myself

19:55
the the commission's good or bad i don't

19:57
like it but they're hidden

19:59
you never see it but the more complex

20:02
the product the higher the commission

20:03
there's a reason that the complex

20:05
products are being pushed

20:06
i'm not saying it's all bad sometimes

20:08
they fit but a lot of times it's just

20:11
for the higher commission and that's not

20:13
good because annuities are great

20:15
products when they're

20:16
used properly and they're fully

20:17
understood

20:19
for both good and bad you know the

20:20
benefits and limitations and

20:22
and even more importantly placed

20:24
properly with the right allocation

20:26
one of the biggest mistakes i see out

20:28
there is people put way too much money

20:30
into annuities where they should be

20:31
probably either laddering or not putting

20:33
as much

20:34
because annuities are not for everyone

20:36
they're not one size fits all

20:37
and you might not even need one you

20:39
might listen to this podcast

20:40
get all the facts get a quote from me

20:42
get my books and say you know what

20:44
i've looked under the rock and i don't

20:46
think it's for me that's fine i've done

20:48
my job

20:49
okay so in conclusion i really look

20:52
forward to doing this podcast

20:55
i i mean i'm i'm excited this is this is

20:58
good this is what i do i'm an educator

21:00
i'm an agent yes i'm an agent licensed

21:02
is all 50 state but i'm an educator

21:04
and i hope to make it entertaining

21:06
because i'm going to provide you with a

21:07
lot of facts about annuities

21:09
it's going to be a fire hose of

21:10
information every single podcast

21:13
and you can refer back to it on demand

21:15
wherever you get your podcast

21:17
or you can go to my dot blog the

21:19
annuityman.blog will have the replays

21:21
there

21:22
and you can listen to them over and over

21:23
at your leisure you know and if you

21:25
decide for me to

21:26
to handle your annuity purchase you have

21:28
to know this

21:29
period i'm going to treat you like a

21:30
professional and provide you with the

21:33
best information possible

21:34
and then leave you alone to make the

21:36
decision on

21:37
your own terms so this is stan

21:41
the annuity man thanks for listening to

21:43
fun with annuities

21:44
see you next time thanks for listening

21:47
to

21:48
fun with annuities please hit the

21:50
subscribe button and make sure to go to

21:52
my site

21:53
at the annuityman.com where you can run

21:55
your own spea

21:56
dia and culat quotes and see a live feed

21:59
of the best

22:00
mica fix rates in the country and even

22:03
get

22:03
indexed and income rider quotes as well

22:06
you can also

22:07
sign up for my six annuity owner's

22:09
manual books and i'll ship them for free

22:11
and under no

22:12
obligation i also encourage you to

22:14
schedule a one-on-one call with me

22:17
stan the annuity man so we can have a

22:19
full discussion

22:20
of your specific situation it will be

22:23
the best

22:23
brutally factual and truthful advice you

22:26
will ever get and that's one guarantee

22:29
you should definitely take advantage of

22:31
so join me next time for the number one

22:33
annuity podcast on the planet fun

22:36
with annuities

22:40
[Music]

22:51
you