010: How to create a Guaranteed Income Floor.

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welcome to

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fun with annuities with your host me

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stan

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the annuity man america's annuity agent

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can annuities be fun

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can contractual guarantees be fun

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absolutely they can find out the brutal

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facts about annuities

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with no sales pitches or high pressure

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nonsense

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just the brutal and factual annuity

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truth which is all you need to hear

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let's have some fun with annuities and

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let's have that fun start

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right now

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hey this is stan the annuity man and

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welcome to fun

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with annuities glad you're here we're

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talking about a really

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good subject today and one that that

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most people

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need to address and are at least

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thinking about i get a lot of calls on

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this it's called creating an

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income floor so how do you create

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a guaranteed contractually guaranteed

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income floor

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so you know what is an income floor it's

1:02
that amount

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that you need to come in every single

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month to cover

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not only the bills just the the bare

1:09
bones essentials

1:11
but also to live the life you want to

1:13
live you worked hard

1:15
you want to make sure that you can you

1:18
know take the trip see the grandkids go

1:20
out to eat go see the game whatever

1:22
you know that's that's the income floor

1:24
it's always moving because there's

1:26
inflation there's changes and things

1:27
like that

1:28
and most people that are married or have

1:30
the families you want to create an

1:31
income floor that is

1:33
somewhat of a legacy that can continue

1:36
for their lives as well

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you know with ten thousand baby boomers

1:39
retiring every single day

1:42
i think it's less about the stock market

1:45
and growth even though that's what is uh

1:48
sexy to cover from the

1:49
media standpoint i don't think people

1:51
care as much as the media thinks and if

1:54
you know anything about the stock market

1:55
in my background

1:57
i was with morgan stanley and dean

1:58
wetter and payne webb well

2:00
in order dean witter to morgan stanley

2:02
payne webber to ubs

2:03
a union bank of switzerland who took

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over ubs

2:07
by the time i left and that was a while

2:09
back because i've been staying the

2:10
annuity man for a long time

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i think 80 to 85 percent of all trades

2:14
were non-human

2:16
algorithmic black box high velocity in

2:19
other words there

2:20
there wasn't some person sitting behind

2:22
a screen making a decision on whether

2:24
it's going to be traded it was a

2:26
computer traded event

2:28
so because of that that's the reason you

2:29
see some of the volatility

2:31
that swings wildly and i think the

2:33
smaller guy

2:34
you know the smaller investor you know

2:36
me and you do nothing

2:38
then we just provide liquidity for those

2:40
monster institutions i'm not

2:42
a huge fan of the stock market i mean i

2:44
put my money where my mouth is my money

2:47
all of it is in either guaranteed income

2:50
in the future

2:51
or it's in fixed rate annuities or those

2:54
type of things that guarantee principal

2:55
protection

2:56
so i've been there done that i'm okay

2:58
with hitting bunt singles and that's

3:00
kind of what i do i like contractual

3:01
guarantees and

3:02
that's what i sell so the majority of us

3:06
that are looking at retirement or at are

3:08
retired

3:08
you know we're looking at income we need

3:10
income so

3:12
where do you go for that there's not

3:13
many places to go and there's certainly

3:15
no place to go other than annuities if

3:17
you want to transfer

3:18
risk and annuities are the only product

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on the planet

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this is the unique benefit proposition

3:24
that i don't understand why

3:26
annuity companies in the industry don't

3:27
push

3:29
the the one benefit proposition that

3:31
annuities offer that not one single

3:33
other product on the planet offers

3:35
is a lifetime income guarantee in other

3:37
words it will pay you for the rest of

3:39
your life

3:41
regardless how long you live it's the

3:42
only product that can do that

3:44
it's a risk transfer product it's a

3:46
contract it's not an investment

3:48
to me i think there's value there

3:51
obviously there's no roi until you die

3:53
because

3:54
you know it's going to pay you for life

3:56
but you know for whatever reason the

3:57
industry is hung up on

3:58
on stock market returns and things like

4:00
that i get it

4:01
you know people like buying dreams

4:03
people like buying those type of things

4:05
but i think a lot of the a lot of people

4:07
are now looking at their investments

4:09
going you know what

4:11
i really don't want to watch the news

4:13
channels or the financial news channels

4:15
and i really don't want to engage i want

4:16
to go live my life

4:18
i want to i want a guaranteed income

4:19
floor so

4:21
you know guaranteed income floor like i

4:23
said is your basic expenses plus

4:26
whatever you need monthly to live your

4:27
life on your own terms

4:29
and that can include a pension if you're

4:31
so fortunate

4:32
not many people have in the private

4:34
sector there's not a lot of pensions

4:35
anymore

4:36
a lot of people have what's called

4:37
defined contribution plans which are

4:40
the 401ks and the 403bs and those type

4:42
of things that

4:44
the 401k is really the definition of a

4:46
defined contribution plan

4:48
that at some point in time you have to

4:49
convert into an annuity

4:51
or into an income stream if you need

4:53
income so you know pension

4:55
social security is obviously a part of

4:57
the income floor dividends if you have

4:59
stocks that pay dividends things like

5:01
that or bonds that pay

5:03
interest you know that's income real

5:06
estate if you have

5:06
real estate that you're renting out

5:08
that's income and then the last part of

5:10
that

5:10
income a floor are annuities

5:14
and the transfer risk nature of of

5:16
annuities and how they

5:17
pay contractually now in previous

5:21
podcasts we've gone i've gone over

5:23
you know specific annuity types

5:24
immediate annuities and deferred income

5:26
annuities and q lakhs and things like

5:27
that but just as a

5:28
a brief refresher if you need income

5:31
right now to start within 30 days

5:33
up to 13 months that's that's an

5:35
immediate annuity a single premium

5:37
immediate annuity

5:39
and with all annuities they're like

5:40
commodity quotes you've got to shop all

5:42
carriers it's like buying a plane ticket

5:43
we go into every customized quote not

5:45
knowing

5:46
who's going to finish first and not

5:47
caring we don't steer people into a

5:49
specific carrier

5:51
so you've got income now quotes which is

5:53
you know immediate annuities income

5:55
later quotes which means

5:56
you're going to defer anywhere from 13

5:58
months out you know 5 10 15 years

6:00
whatever until the income stream starts

6:03
that's deferred income annuities that

6:04
could be income riders and also qlax

6:06
which is a deferred income annuity

6:08
qualified longevity annuity contract

6:10
that can be used inside of an ira

6:12
and again i've covered that in previous

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podcasts and i've written

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owner's manuals on every single one of

6:18
these products which i encourage you to

6:20
get go to my site the annuityman.com and

6:22
and order them i'll ship them to you for

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free we won't bother

6:26
and you can read them but those are the

6:28
two

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income sources you know income now or

6:32
income later income now is immediate

6:33
annuities income later

6:35
is either the deferred income annuities

6:37
riders or culax and it all comes down to

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two questions when you buy an annuity

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the first question

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keep repeating this but this is very

6:43
important what do you want the money to

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contractually do

6:47
number one and keyword is contractual go

6:49
ahead and bold that and underline it

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what do you want the money to

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contractually do

6:54
second is when do you want those

6:55
contractual guarantees to start

6:57
underlying contractual bold contractual

6:59
not hypothetical what it might do no you

7:02
own annuity for what it will do not what

7:03
it might do okay

7:06
so when you're looking to fill an income

7:08
gap

7:09
you can do it a couple of ways you can

7:11
say hey we've got x amount

7:13
in the ira and it's a lump sum how much

7:16
income will that

7:17
generate in a customized quote format

7:20
either your life

7:21
joint life joint life with installment

7:23
refund however we decide

7:25
it's best for you based upon how you

7:27
want the money to work

7:28
you know that's that's one way to go

7:30
about it the other way is

7:32
instead of the lump sum stand we we need

7:35
x

7:36
amount of dollars per month to fill that

7:38
gap so

7:39
you know we've added the pension and the

7:41
social security and the dividends and

7:42
the real estate

7:44
here's our basic expenses and we need an

7:46
additional pick a number

7:47
two thousand three thousand one thousand

7:49
dollars a month and if we can get that

7:52
contractually that will cover and and

7:55
secure that guaranteed income floor

7:58
then we can reverse engineer that quote

8:00
so that we can tell you exactly the

8:02
amount of money to the penny

8:04
that you need to fill that income gap

8:07
and i love doing that because

8:09
a lot of times i see people they they

8:11
put way too much money into an annuity

8:14
this is a way if you reverse engineer

8:16
the quote to solve for the guarantee

8:18
to solve for the monthly income gap to

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fill in that income floor

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then you're using as little money as

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possible contractually to solve for that

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i like that that means you keep your

8:29
powder dry you keep your money

8:30
in other investments etc if you still

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need growth

8:34
and most people still do need growth but

8:37
that way you can fill

8:38
the guaranteed income floor amount now

8:41
people say well but

8:42
but stan what do we do with inflation

8:46
and i say this every time people ask me

8:48
there's not a product

8:50
on the planet that addresses inflation

8:53
perfectly

8:54
now agents will tell you that they have

8:55
it but they do not

8:57
you can attach what's called a cost of

8:58
living adjustment increase which is a

9:00
percentage

9:02
actually a percentage that you choose at

9:03
the time of application meaning you say

9:05
i want my income stream to increase by 3

9:07
every year for the rest of my life that

9:09
would be contractual sounds great right

9:12
there's a catch or you could say hey i

9:15
want it to increase with

9:16
the consumer price index similar to like

9:19
a social security calculation right

9:21
where it increases sounds great right

9:23
well with social security

9:24
that's the best inflation annuity on the

9:26
planet they they just increase that it's

9:28
kind of a political football

9:29
when you attach a cost of living

9:31
adjustment rider or cpiu

9:33
increase to an annuity payment

9:36
the carriers because they have the big

9:38
buildings they don't give anything away

9:39
and there's no philanthropist there

9:41
they're going to lower the payment when

9:42
compared to the exact same annuity

9:44
that doesn't have the cost of living

9:46
adjustment writer or cola that doesn't

9:47
mean it's bad you just need to know

9:49
you're not getting a free ride

9:51
with the increase if you're interested

9:53
in that what i typically do is i run the

9:55
same quote with and without the increase

9:57
just so you can see how they price it

9:59
the other way to do this from the

10:01
standpoint of inflation

10:02
is what i call defer to spea meaning

10:05
that

10:06
keep your money in in the investments

10:08
that you manage or someone manages for

10:09
you

10:10
until you need income and then you buy

10:13
or need to fill a gap for the inflation

10:15
part

10:15
and then you buy an immediate annuity at

10:16
that time one of the things that's going

10:18
on right now in the indexed annuity side

10:20
the fixed index world which

10:22
in previous podcast i've told you those

10:24
were developed in 1995 to compete with

10:26
cd returns even though there's some

10:27
misleading sales pitches with too many

10:29
agents talking about market upside with

10:30
no downside that's not true

10:33
they were developed to in 1995 to

10:35
compete with cd returns you have to keep

10:37
that in the back of your head when you

10:38
hear those two good to be true

10:39
sales pitches but one of the things

10:41
those people that sell those

10:42
you know they'll just sell just that

10:44
product is they'll say well

10:46
when the index increases it increases

10:48
your income stream by that amount

10:50
okay let's not get in the weeds on all

10:53
how all that works but just to

10:54
understand once again

10:55
if if the annuity company is giving

10:58
something away in this case an

10:59
increase they're going to do what

11:01
they're going to lower

11:02
the initial payment as opposed to

11:06
to a writer or something that doesn't

11:08
have that increase so

11:10
just put in the back of your head when

11:11
you hear something that sounds really

11:12
good

11:13
too good to be true there's some fine

11:15
print there's some details that you need

11:17
to understand

11:18
before you sign on the dotted line and

11:20
fully trust

11:21
what that agent is pitching and

11:24
typically when you

11:25
one of the things i tell everyone all

11:26
the time the only protection that you

11:28
have out there in the hinterlands of the

11:30
annuity marketing world is

11:34
when someone pitches you a product that

11:36
sounds too good to be true

11:38
and i mean it really does and you look

11:39
at your your wife or spouse and go wow

11:41
that's

11:42
great all you can do to to protect

11:44
yourself is write down exactly what that

11:46
person

11:46
said the way you understand it write it

11:49
down

11:49
in detail he said she said that it was

11:52
going to do this and that it was going

11:53
to do this

11:54
blah blah returns whatever sign it dated

11:58
turn that page around have the agent or

11:59
advisor that pitched you that

12:01
too good to be true product sign and

12:02
date it they're either going to sign it

12:05
and own it which at that case you got

12:08
them

12:08
if they're if they were not telling the

12:10
truth or that pen's gonna weigh a

12:12
thousand pounds and you're gonna flush

12:13
out

12:13
the truth which then you have to you

12:16
have to ask yourself why am i sitting

12:17
here

12:18
right well why wouldn't they lead with

12:19
the truth instead of just trying to

12:21
polish it up so there's a lot of

12:24
misinformation about

12:25
indexed annuities addressing inflation

12:27
there's no annuities that perfectly

12:29
address inflation there's no product

12:30
that perfectly addresses inflation

12:33
period so the way to do it when you're

12:35
doing an income floor

12:36
guaranteed income floor is you either

12:38
have to

12:40
buy an immediate annuity at that time to

12:42
fill in that additional gap

12:44
or you can also do what's called

12:46
laddering and i do a lot of laddering

12:49
with either immediate annuities or q

12:52
lakhs or diaz or riders meaning that

12:54
you buy multiple of those products

12:58
and you have income starting at

13:00
different start dates

13:01
i'll give you an example like for

13:03
instance if you said you know our

13:05
income floor we have the income floor

13:07
covered but for a few things in the

13:09
future

13:09
let's buy either a dia a rider or a

13:12
culac that's inside of an ira

13:14
and let's have income starting you know

13:16
every three years

13:18
you know for like four or five year time

13:20
period so let's say it starts at

13:23
you know age you're 60 you want and the

13:25
first income stream starts at 65

13:28
the gap filler starts at 65 and 68 then

13:30
71 the 74. that's just a

13:32
you can either ladder the purchase date

13:34
in other words you can buy

13:35
the annuities over a five-year time

13:37
period or you could buy them all at one

13:39
time

13:40
and have the income stream start dates

13:43
different or you can

13:44
combine them both you can you can allow

13:46
the income purchase date or latter the

13:48
income start date at the same time

13:50
it really comes down to the

13:51
customization of the quote and what

13:53
you're trying to achieve

13:55
now when you're doing the income floor

13:57
guaranteed income floor

13:59
you know putting that all together you

14:01
know i tell people all the time

14:03
let's look at how the how the

14:04
structuring of the quote

14:06
and the choices that you can have and

14:09
there's

14:09
myriads of choices you know 10 15 20 30

14:12
how many you want

14:13
i mean i could show you a 30 at least

14:15
but most people it's around

14:17
five to ten that are that are typical

14:19
life only means that you're going to get

14:20
the highest contractual payout but when

14:22
you die the money goes poof

14:23
and most people think that's all there

14:25
is out there that's not you can also do

14:27
life with a period certain

14:29
which is it'll pay for the rest your

14:30
life but if you die within that period

14:33
certain

14:33
in other words if you have a life in 20

14:35
with life guarantee with a 20 year

14:37
period certainly you die

14:38
year 10 there's 10 more years of

14:41
payments to your beneficiaries

14:42
or you could do just a period certain

14:44
hey my income floor stand i got a

14:46
pension turning on in 10 years from now

14:48
but i have an income floor gap for those

14:50
10 years in between

14:52
you can buy a single premium immediate

14:54
annuity with a 10

14:56
year period certain that just fills in

14:58
that gap

14:59
once again think customization with all

15:02
of this

15:03
the most popular way for people that i

15:05
found and

15:06
you know i'm the guy out here licensed

15:08
in all 50 states and

15:09
and arguably the top agent out here most

15:12
people that structure like a lifetime

15:14
income guarantee or a joint lifetime

15:16
income guarantee with their spouse or

15:17
partner

15:18
they're doing it joint life or joint

15:20
life with installment refund or joint

15:22
life with cash refund what that means is

15:24
it's going to pay you for the rest of

15:25
your life but the installment refund

15:27
what that means is that's a period

15:29
certain based

15:30
on the exact to the day of your life

15:32
expectancy so

15:34
in essence not a penny is going to be

15:37
kept

15:38
by the annuity company under any

15:39
circumstance they're going to pay you

15:40
for the rest of your life

15:42
and if you die early whatever's left in

15:44
the account is going to go 100

15:46
to the beneficiaries installment refund

15:48
means it's in payment form

15:50
right and then cash refund means lump

15:52
sum

15:53
thinking logically about annuity

15:55
companies and then not giving it away

15:56
the installment refund a quote life with

15:59
installment refund is going to pay

16:00
higher

16:01
than life with cash refund why because

16:03
the annuity company continues to hold on

16:05
to the money

16:06
through the installment payment even

16:08
though they're going to pay it all back

16:09
as opposed to creating and having to

16:12
come up with the lump sum

16:13
so laddering and and the structuring of

16:16
those quotes is very important

16:18
that's the reason a person like me

16:19
exists on the planet because i'm an

16:21
expert at this

16:22
and i'll listen to you and fill in the

16:24
gaps and put together the plan

16:27
you know contractually on exactly how

16:29
you want the money

16:30
to work and then i'll go quote every

16:32
every carry on the planet and find the

16:34
best contractual guarantee out there

16:36
and you have to when you go quote

16:38
annuities like for

16:39
if you get an income now quote or an

16:41
income later quote from us

16:43
you're going to see at least five

16:44
carriers typically on like an immediate

16:46
annuity quote

16:47
you'll see ten you'll see the top 10

16:49
carriers

16:50
in order of the contractual guarantee

16:52
and we'll also list one of the ratings

16:54
on there

16:54
and you can go to my site and pull up

16:56
the comdex rankings and see all four

16:58
raving services standard

16:59
poor's moody's fitch and am best and see

17:02
all of them and then the convex score

17:03
from one to a hundred so

17:05
you know never allow someone to just

17:07
show you one annuity

17:09
i don't care what type it doesn't matter

17:10
what type never ever ever

17:13
allow someone to just say this is the

17:15
best annuity for you i've

17:16
i've looked at it mr and mrs jones and

17:19
this is the best annuity for you that's

17:21
complete and utter garbage

17:23
it's steering into a product it

17:25
typically says to me that person hasn't

17:27
done their homework and hasn't

17:29
learned more than one product or there's

17:31
something more behind that from the

17:33
standpoint of incentives or commissions

17:34
or things like that but in most cases

17:36
most agents and advisors just haven't

17:38
done the homework to

17:39
to show you on an income later quote

17:42
both diaz or culax and writers they're

17:44
just showing one

17:46
index annuity with the writer do not

17:47
allow that because remember annuity

17:49
quotes are like commodities

17:52
right you have to quote them all like

17:54
buying a plane ticket

17:55
so if they just show you one say hey

17:56
that's fantastic fred my

17:58
advisor but i need to see five and if he

18:01
says well i don't have five

18:02
then you've got your answer then he's

18:04
not he's not

18:05
in the game of showing the best

18:07
contractual guarantee quotes

18:08
he's just in the game of liking one

18:11
carrier and going with it

18:13
and i know the carriers don't like it

18:14
when i say that because they all say

18:16
well you know our product's better and

18:18
we're better and we're you know we're

18:19
shinier and worse we're nicer and we're

18:21
smarter and we're

18:22
whatever but the truth of the matter is

18:25
these products are all kind of the same

18:28
when you with the types so you gotta

18:30
quote them all and also remember too

18:32
life expectancy drives the pricing train

18:35
when you're getting a lifetime income

18:37
quote

18:37
to fill in the guaranteed income floor

18:40
it's life expectancy not interest rates

18:42
i know everyone's trying to time

18:43
interest rates and everybody

18:45
you know says well well i'm going to

18:46
wait on the interest rates to move no

18:48
you can't

18:49
that's that's not smart you look at the

18:51
guarantee if the guarantee makes sense

18:53
fine

18:53
if interest rates you know went from the

18:55
treasury went up two

18:56
two percentage points would it affect

18:58
things yeah it would move the needle a

18:59
little bit

19:00
but the needle is truly moved by life

19:02
expectancy that's what drives the train

19:05
with a lifetime income guarantee so when

19:08
you're creating a guaranteed income

19:09
floor

19:10
if it's just on your life the payment's

19:12
going to be higher

19:14
than if it's joint life with a spouse

19:16
and if your spouse is a female

19:18
then it's going to be lowered because

19:20
she's projected to live

19:22
longer than you as the male and

19:24
typically that's and that's just the way

19:26
it is you know they they outlive us i

19:27
think it's an evil plot but it is what

19:29
it is

19:30
so to conclude on all of this and i know

19:33
that creating the guaranteed income

19:35
floor is

19:36
is somewhat a fuzzy target

19:39
it's like nailing jello to the wall

19:42
because

19:43
the guaranteed income floor this year

19:44
might be different next year

19:46
and if it's different next year then we

19:48
address it with an immediate annuity

19:50
type

19:50
gap filler but you're always filling the

19:52
gap

19:53
for income now you can do guaranteed

19:56
income floor planning to fill it right

19:58
now or you could say i've projected in

19:59
the future we're going to need this and

20:01
you can do guaranteed income floor

20:02
planning for the future

20:04
either or works either or we look at

20:06
only the contractual guarantees and

20:08
you'll know too the penny

20:09
what is contractually guaranteed by the

20:11
carriers but i encourage you if you

20:13
haven't done

20:14
the calculations of you know what's my

20:16
basic expenses plus lifestyle

20:18
enhancements that i need

20:19
what's that monthly number of income

20:21
that i need regardless what happens in

20:23
the political world or the

20:25
the economic world or the markets or

20:26
whatever what's that number

20:28
and then add up you know the pension the

20:30
social security the dividends the real

20:31
estate

20:32
and then what gap do you need to feel

20:34
either right now or in the future

20:36
and then contact us and let us run a

20:39
quote

20:40
to fill that gap and i think when you

20:43
can fill that gap

20:44
contractually that's a good feeling

20:46
because everything else is gravy

20:48
right you can you can invest your money

20:51
and i've always said this i have a lot

20:52
of clients that are

20:53
big time traders you know one of my

20:55
clients is like a corn futures trader or

20:57
something like that just something

20:58
out of the out of this world but what he

21:00
does every year is he buys

21:02
a lifetime income guarantee for the

21:04
future to build the income floor but

21:05
because guess what his spouse could give

21:08
a rip

21:09
about the futures market she does not

21:11
care at all

21:12
and like my wife my wife you know she

21:15
loves stanley nudie man right why

21:16
wouldn't you i'm a lovable character

21:18
but she could give a rip about annuities

21:21
so

21:22
you know when i take her out for dinner

21:23
at the end of the year and give her the

21:24
state of the the stantra

21:25
right the standing annuity man stantra i

21:28
say okay

21:29
when my leader jet hits the mountain no

21:31
i do not have a lure job but it's a

21:32
really good saying when my learjet hits

21:34
the mountain

21:34
honey here's what the income stream is

21:37
going to be for the rest of your life

21:40
she smiles and says that's fantastic i

21:42
can go see the girls and hopefully by

21:43
that time we have grandkids i can go see

21:45
a grandkid

21:46
that's all she cares about and with a

21:48
lot of spouses out there with all you

21:50
players out there that think you're you

21:51
know you're

21:52
you're gordon gecko trading the markets

21:54
that's fine

21:55
but you have to put the guaranteed

21:57
income for in place

21:59
for you and your family i've even put it

22:01
in place for my

22:02
wandering ambiguity lovely daughters who

22:04
are 20 and 22. i put an

22:06
income floor in place just in case they

22:08
become you know

22:10
starving artists you know i've i've

22:12
bought dias for them deferred income

22:14
annuities that's going to turn on in the

22:15
future

22:15
so they're going to have a lifetime

22:17
income stream that they can never

22:19
outlive so

22:20
guaranteed income flooring how about

22:22
that

22:23
i'm an income floor i should drive up

22:25
like one of those panel vans with that

22:27
right

22:27
guaranteed income flooring is very

22:29
important and annuities play a big time

22:32
role

22:33
in filling that floor my advice to you

22:37
is to do the basic

22:38
calculation to what that income floor is

22:40
that you need

22:41
and then let us quote to fill the gap

22:44
and use as little money as humanly

22:46
possible to fill that gap

22:48
so i hope this has been helpful please

22:50
go to my site at the annuityman.com and

22:52
get my you know six owners manuals and

22:54
also i've written a book called the

22:55
annuity stanifesto which is

22:57
been a bestseller for a long long time

22:59
in the annuity category you'll like that

23:00
as well

23:01
and get a quote you can also go to the

23:03
annuityman.blog

23:05
and there's tons more information there

23:07
so with that

23:08
my name is stan the annuity man and

23:10
you've been listening to

23:12
fun with annuity see you next time

23:15
thanks for listening to fun with

23:17
annuities please hit the subscribe

23:19
button and make sure to go to my site

23:21
at the annuityman.com where you can run

23:24
your own spea dia

23:26
and culat quotes and see a live feed of

23:28
the best

23:29
maga fix rates in the country and even

23:31
get

23:32
indexed and income writer quotes as well

23:34
you can also sign up for my six

23:37
annuity owner's manual books and i'll

23:39
ship them for free and under no

23:41
obligation i also encourage you to

23:43
schedule a one-on-one call with me

23:46
stan the annuity man so we can have a

23:48
full discussion

23:49
of your specific situation it will be

23:51
the best

23:52
brutally factual and truthful advice you

23:55
will ever get and that's one guarantee

23:58
you should definitely take advantage of

24:00
so join me next time for the number one

24:02
annuity podcast

24:03
on the planet fun with annuities

24:18
you