027: Social Security Annuity | Why every US citizen already owns an annuity

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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 right

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now

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[Music]

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hey welcome out there my name is stan

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the annuity man america's annuity agent

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and you're listening to

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fun with annuities the best podcast on

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the planet when it comes to annuities

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because it's not about sales pitches

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i'm not going to sell you anything we're

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going to talk about annuities we're

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going to educate you on annuities so

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that you can make an informed decision

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on your terms

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and on your time frame my name is stan

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the annuity man

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i'm the top agent in the country

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independent agent in the country i'm

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called america's annuity agent i'm

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licensed in all 50 states and i

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represent pretty much every single

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carrier out there

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i don't have a favorite annuity company

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my favorite annuity company is the one

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that provides you the highest

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contractual guarantee for

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your specific situation and i'll shop

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all carriers to find that

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and hopefully we will talk one-on-one so

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that i can

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understand your situation i can listen

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to you i use my

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my my mouth and my ears in proportion

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two to one so i'm gonna listen to you

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and figure out what's the best solution

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strategy for you if an annuity is even

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appropriate and suitable i'll tell you

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if you don't need an annuity i do that

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all the time if you tell me your

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situation i might determine

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either you're too young or you're you

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know everything's good

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i mean you don't need to if it ain't

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broke don't fix it right but we'll have

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that conversation so i do encourage you

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to go to my site it's the annuityman.com

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t-h-e annuity a-n-n-u-i-t-y man.com

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and you can run your own quotes there

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without having to talk anybody we have a

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we have our own calculators proprietary

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calculators on the site

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where you can just go there 24 7 and run

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immediate annuity quotes or deferred

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income annuity quotes or

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qualified longevity annuity quotes we

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also have a live

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feed of the best fix rates in our

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business it's called multi-year

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guarantee annuities my goals you can

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just punch in your state your duration

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and the top ones will will just list

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right in front of you can see that

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you can also get index annuity quotes

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income writer quotes

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um it's a one-stop shop it's where it's

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where annuities are bought not sold

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i will never call you unless you tell me

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to unless you schedule a call that's the

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way we treat our customers and clients

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and i think that's the reason we're

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we're number one out here because

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we really respect what you're trying to

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do

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learn about annuities and to see if it's

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appropriate suitable for your specific

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situation

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and i'm going to shoot it straight and

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tell you if it is or it is not so

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the other thing is i do have a uh that

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you need to know about is i do have a

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a youtube channel called stan the

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annuity man and

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you can just punch in standing nudity in

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the search bar and hundreds and hundreds

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and hundreds of

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eight to ten minute videos will pop up

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where i am talking about specific

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annuity types

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strategies answering people's questions

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um you're really really going to like

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that so

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you know once again i have the i have

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the the podcast this fund with annuities

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and you can either watch and list at the

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same time or just listen on all podcast

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platforms i have the

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stand annuity man youtube channel i've

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written 400 plus articles you can read

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those on the site as well i think we've

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done a pretty good job categorizing

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and then the last thing i want to point

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out is you can go to my site and order

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and have them shipped seven books that

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i've published on annuities yes you can

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buy them on amazon but there's no need

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to

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i will send you the hard copy books if

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you fill out your physical mailing

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address

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no one's gonna call you nobody's gonna

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show up at your door it's just gonna

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come to your door

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you're gonna be able to read them it's

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just part of the educational process

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um that i just believe is the way to

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approach annuities and for consumers to

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learn about them because a lot of people

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don't have

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good feelings about annuities which is

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kind of the reason we're talking about

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annuities today

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um most people say well i hate annuities

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or i saw

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an ad on tv so i hate annuities i'd

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never bought an annuity

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you already own one you own the best one

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you own it it's social security it's the

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best inflation

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annuity on the planet it's and that's

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because

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our dutiful politicians up in dc

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they raise the uh they increase the

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payment

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at their whim when they need votes

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whatever annuity companies don't give

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that away

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if you want the the same type of an

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annuity because you know annuities

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were put on the planet um in the roman

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times

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for lifetime income i mean if you didn't

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know that story back in the day

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you know the the roman empire

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rewarded the dutiful roman soldiers and

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their family what's called

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annuals which annuals i guess in latin i

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think means payment or lifetime payment

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or annual payment

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but that's where the word annuity comes

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from okay so that's where it started

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so with lifetime income you know with

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with social security that's part in the

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primary part of your income floor now it

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was never put on the planet

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as the primary uh retirement income

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source it was never

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positioned like that but it's kind of

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turned into that for some people

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but for you probably it's just part of

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that income floor

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and and the income floor could be social

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security obviously a pension which oh by

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the way is an annuity

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and then maybe a lifetime income stream

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annuity like

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like a private annuity you buy from me

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that's part of that income floor which

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comes in every single month

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it has nothing to do with politics the

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markets anything it's a contractual

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guarantee

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so one of the things that i would like

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you to start thinking about is you

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already own the best annuity on the

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planet social security is the best

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inflation annuity on the planet

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do you need more income and if you do

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you can

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you can use annuities a couple of ways

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you can say okay

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i want to how much would x amount create

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stand how much would a 100 000 or 400

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000

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create for me and the wife or we need 2

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000

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a month to pay every single month for

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the rest of our lives and when one of us

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dies we want it to continue

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now what i want to interject really

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powerfully here is that when you die

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the money doesn't have to go poof and

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the evil annuity company doesn't have to

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keep the money

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there's 30 to 40 different ways to

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structure an annuity payment

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it's customizable that's kind of the

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reason we need to talk if you said stan

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i want

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me and the spouse me and the spouse

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partner to have a lifetime income stream

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but when the second spouse dies we want

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100

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of any unused money to go to the list of

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beneficiaries on the policy

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and the evil annuity company not keep a

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penny we can do that we can structure it

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so in other words

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you're transferring risk to the annuity

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company to pay you for the rest of your

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life

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or to pay you and your spouse for the

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rest of your life regardless of how long

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you live you live 150 you're going to

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pay

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okay but when the second spouse dies or

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if it's just on your life when you die

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we can structure it so that whatever is

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left in the account

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goes to the listed beneficiaries on the

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policy and the evil annuity company

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because it doesn't keep

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a penny that's a pretty good deal right

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now all lifetime income from annuities

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is a combination of return of principal

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plus interest that's just the way i

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don't care if you're getting

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an immediate annuity a deferred income

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annuity a qualified longevity annuity

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contract

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an income rider attached to a variable

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or an indexed annuity okay

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it doesn't matter it's a combination of

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return of principal plus

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interest and the true value proposition

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of a lifetime income stream annuity

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is when that is when the account's at

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zero and you're in the annuity company's

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pocket

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i have thousands of clients that are

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getting paid lifetime income streams

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monthly all this

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and there and they have they've outlived

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their life expectancy and there's zero

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in the account

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so people always say stan what's the roi

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on an annuity

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on a lifetime income annuity i don't

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know that until you die

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what's the roi on your social security i

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don't know that until you die

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up until that point it's a transfer of

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risk lifetime income stream

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with the social security you're

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transferring the risk to the government

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to pay

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take your tinfoil hats off they're going

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to pay okay it's a

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it's a political piece of dynamite that

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no

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either party doesn't want to touch it's

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going to be there period it might not be

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there for my kids but i'll be dead

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okay or your kids or your grandkids but

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for us

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it's going to be there period i mean it

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is what it is and the older you are the

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higher the payment that you get a higher

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payment when you're 70

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as opposed to when you're 65. same with

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annuities you get a higher payment when

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you're 70.

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as opposed to when you're 65. why

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because life expectancy drives the train

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interest rates play a secondary role in

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the private sector with annuities

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okay people always say well i'm going to

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wait to burn a new until interest rates

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go up

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well first of all we're not sure they're

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going to go up no one knows and if

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anyone tells you they know they don't

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they're lying

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okay but but the primary pricing

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mechanism of a lifetime income stream

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annuity is your life expectancy at the

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time you take the payments

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sounds familiar why because it's like

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social security the older you are the

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higher the payment

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they're based on your life expectancy so

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you already own that social security

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annuity you might be so fortunate to be

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one of the

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you know i think there's less than 10 of

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private sector companies offer

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pension plans which are annuities

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lifetime income stream or if you work

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for the government or if you work for a

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good union they might have that

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but the rest of us out here have to

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create our own

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pension to combine with social security

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okay so that's where i come in

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um there's there's really two questions

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that you have to ask that i've come up

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with that now a lot of agents are using

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which is great

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um and the two questions are this what

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number one what do you want the money to

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contractually do

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and number two when do you want those

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contractual guarantees to start let me

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do it again

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what do you want the money to

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contractually do and when do you want

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those contractual guarantees to start

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from those two answers i can determine

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two things number one do you need an

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annuity or not

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and if you do what type of annuity will

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will give you the best contractual

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guarantee for the specific situation

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that you laid out

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the other thing that i've come up with

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is an acronym called pill

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p stands for principal protection i

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stands for income for life

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l stands for legacy and the other l

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stands for long-term care confinement

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care

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okay let me do it again p stands for

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principal protection

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there's a couple of annuities that do

10:44
that multi-year guarantee annuities

10:46
and and indexed annuities both are cd

10:48
products period i don't care what

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anybody tells you about index new it's a

10:50
cd product

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so that stands for p i is income for

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life

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those are the income products single

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premium immediate annuities

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deferred income annuities qualified

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longevity annuity contracts and

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income riders that are attached to

11:04
typically indexed annuities and variable

11:05
annuities

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by the way you can get quotes on all of

11:07
those on on your own terms run your own

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numbers

11:09
at my site and then l stands for legacy

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which is a death benefit

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by the way life insurance is still the

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best death benefit

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um product out there and no i don't sell

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life insurance it's just the best

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death benef been death benefit product

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out there

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and then the other l is for long-term

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care confinement here in the annuity

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world it's not long-term care it's

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confinement care

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so there are annuities out there that if

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you can't qualify for traditional

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long-term care

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you can buy the annuity with the

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confinement care enhanced benefit rider

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so between the two questions and the

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pill acronym

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that helps me determine and helps you to

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determine

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if you even need an annuity i mean it's

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really that simple

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i mean there's there's just a few

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annuity types when i send you the books

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i've written owner's manuals on every

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single type so they'll be in owner's

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manuals on immediate annuities which is

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the granddaddy of them all starting the

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roman times

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deferred income annuities which is um an

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immediate annuity that you can defer

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when once you go past 13 month deferral

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it turns into a deferred income annuity

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qlax which is a deferred income annuity

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used in your ira

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then you have income writers and then

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you have indexed annuities i don't sell

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variable annuities so i didn't write a

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book on them but i could

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because i know a lot about them i just

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don't sell anything that goes down i

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have nothing against variable annuities

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it's just that

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when you attach income riders and that's

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how we use indexed annuities primarily

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as a

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as a efficient delivery system for

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income riders

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um we find that the contractual

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guarantees with with those income riders

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attached to indexed annuities

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typically beat the variable annuity

12:40
product now that's not saying they're

12:42
that variable annuities don't fit in

12:44
1955 i believe they were put on this

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planet

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tiaa i think was the originator of that

12:49
and they were put on the planet for tax

12:50
deferred growth and with some

12:52
like say no load variable annuities

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those are really good and there's some

12:55
load variable annuities but once again

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i don't sell those i don't sell anything

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that has the potential to go down i sell

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fixed annuities period and in essence

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social security getting back to that

13:05
it's a fixed annuity it's an immediate

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annuity

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you know because at the time you turn on

13:10
the payment they're going to pay you for

13:11
the rest of your life based upon when

13:12
you turn it on

13:13
so if you're 70 it's going to be the

13:15
highest payment you can set it up

13:17
all kinds of ways as you well know with

13:18
social security but it is an annuity it

13:21
is an inflation annuity so

13:23
it's the best inflation annuity on the

13:25
planet if you if you said stan

13:27
can i buy an annuity that addresses

13:31
inflation

13:32
in the private sector to combine with

13:35
the the best

13:36
you say is the best inflation anyone in

13:37
the annuity on the planet absolutely you

13:40
can

13:41
but annuity companies don't give that

13:43
increase away like politicians do

13:46
with annuity companies and there are no

13:47
philanthropists in the annuity business

13:49
and there's the annuity bill

13:51
the annuity companies have the big

13:52
buildings for a reason right and the big

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logos on the plane they don't give

13:56
anything away

13:57
so just to do a visual if you bought an

14:00
annuity

14:00
a single premium immediate annuity with

14:03
a cost of living adjustment rider let's

14:05
say it's going to increase by three

14:07
percent every single year for the rest

14:08
of your life sounds good right

14:10
visually it's going to start right here

14:12
okay if you bought the same exact single

14:14
premium immediate annuity

14:16
without a cola it's going to start here

14:20
okay so in my opinion

14:23
since you already own the best inflation

14:25
annuity on the planet

14:26
social security then i would fill in the

14:29
gaps with

14:30
with the annuity lifetime income streams

14:33
as part of that income floor without

14:35
the inflation rider now you have to be

14:38
saying yourself wait a minute

14:39
stan the annuity man america's annuity

14:41
agent

14:42
what happens if we get hyperinflation

14:44
what happens if that happens

14:46
isn't there an annuity that that

14:48
addresses that kind of of movement

14:50
no and don't let any agent tell you that

14:53
they have it because they don't have it

14:55
what in my opinion the way to address

14:57
hyperinflation is at the time

14:59
you need more income we go contractually

15:02
solve for that income using an immediate

15:04
annuity

15:05
one great thing about annuities is and i

15:07
tell people this all the time one of the

15:08
biggest mistakes people make with

15:10
annuities

15:10
is they put too much money in and i know

15:13
the sales gods are looking down upon me

15:15
going

15:15
shut up shut up don't say that take all

15:18
the money

15:19
uh-uh the best way i mean that's a

15:21
southern way to say no

15:22
uh-uh the best way to use annuities in

15:26
my opinion for income

15:27
is for you to say to me me and the

15:29
spouse me and spouse partner need

15:31
two thousand dollars a month or three

15:32
thousand dollars a month or seventeen

15:33
hundred fifty dollars a month

15:35
whatever that amount is and then i can

15:38
do a reverse

15:39
engineer quote solving for that

15:41
contractual guaranteed monthly amount

15:43
for life

15:44
using the least amount of money that's

15:47
the way to do it

15:48
so going back to the inflation thing

15:51
that we were talking about

15:52
if you come to me say five years now say

15:54
wait a minute stan this hyperinflation

15:56
and and you know we need another 520 a

15:58
month to cover that

16:00
that income floor then we reverse

16:02
engineer a quote

16:03
solving for the 520 a month or whatever

16:06
number you give me

16:07
and use the least amount of money

16:08
possible to contractually solve

16:11
for that specific need

16:14
that's that's how to do annuities that's

16:15
how to buy

16:17
annuities and have them properly fit

16:19
into your portfolio

16:21
so in conjunction with social security

16:23
because you have to look at

16:25
with ten thousand baby boomers retire or

16:27
hitting that retirement age every single

16:28
day

16:29
a lot of people and you might be one of

16:31
those that you're

16:33
at that second stage of chapter two of

16:35
your life where it's not about market

16:37
growth and

16:38
finding the next tesla or apple you just

16:40
want guarantees you want to have a

16:42
lifetime income stream for you and the

16:43
spouse or partner

16:44
and you want to make sure that

16:46
everything is taken care of

16:47
contractually

16:49
and you're not worried about markets

16:51
then annuities

16:52
are a good fit i mean they really are in

16:55
fact

16:56
when you use the strategy that i was

16:57
just talking about which is taking as

16:59
little amount of

17:00
money possible to solve for a specific

17:02
income guarantee

17:04
then you'll be a better investor with

17:06
your non-annuity assets because you have

17:08
your income floor

17:10
in place with your social security which

17:12
is the annuity that all of you own that

17:14
you didn't know you own but

17:15
now you know that you own it

17:16
congratulations and by the way that for

17:19
all the haters of annuities out there

17:20
you own it too great story i'm speaking

17:22
in front of this group

17:24
and you know i do a lot of speaking and

17:27
there's always one or two guys

17:28
out there ladies that'll get up there

17:30
and try to stick it to me like i hate

17:32
annuities i'd never buy an annuity and i

17:34
just bait them i'm like

17:35
okay that's great you'd never buy an

17:36
annuity but you do like social security

17:38
and they're like yeah i really do

17:40
and people start giggling because they

17:41
know where i'm headed social security is

17:43
a lifetime income stream

17:45
annuities are the only product by the

17:48
way

17:49
that guarantee contractually a lifetime

17:51
income stream

17:52
now if i was annuity czar for the for

17:54
the year and by the way

17:55
at the time of this taping where i guess

17:57
we're a month away from the presidential

17:59
elections and

18:00
i've notified both parties and both

18:03
candidates that i should be annuities

18:05
are so if you know

18:06
that should happen because if it did

18:08
happen and it should happen

18:10
i would be talking every single day and

18:14
ads will be running every single day

18:15
saying

18:16
annuities equal lifetime income stream

18:19
lifetime income stream equals annuities

18:21
social security is an annuity an annuity

18:23
is social security your pension is an

18:25
annuity an annuity is a pension

18:28
going back to the pill acronym that i

18:31
use which is

18:31
principal protection income for life

18:33
legacy long-term care confinement care

18:35
the two primary usages of of annuities

18:39
are principal protection and lifetime

18:42
income

18:42
income for life there are two products

18:45
that you can use to

18:46
fully protect the principal you can peel

18:48
off the interest the principal's intact

18:50
period no annual fees the whole thing

18:53
that's multi-year guarantee annuity in

18:55
an indexed annuity if you don't attach

18:56
the income rider okay those are cd

18:58
products yes america indexed annuities

19:01
are

19:01
cd products they're not market products

19:04
but

19:05
most people are looking at

19:09
annuities as a income gap filler as part

19:12
of that income floor with social

19:13
security

19:14
okay and that's really in my opinion

19:17
the value proposition that you should be

19:19
looking at that's where annuities fit

19:21
and we don't know again we don't know

19:23
the roi until you die

19:24
up until then it's a transfer risk

19:26
you're transferring the risk to the

19:27
annuity company to pay you for the rest

19:29
of your life or if you set it up joint

19:30
with a

19:31
spouse or partner the rest of both your

19:33
lives and we can make sure contractually

19:35
that any unused money doesn't go to the

19:38
annuity company

19:39
it goes to the beneficiaries even though

19:41
the annuity companies on the hook to pay

19:43
you for the rest of your life

19:45
i'm gonna warn you up front there's no

19:47
way to time this there's no sweet spot

19:49
or arbitrage or the right time to buy an

19:51
annuity

19:52
the right time to buy an annuity is not

19:53
when the agent tells you is when the

19:55
contractual guarantee makes sense

19:58
and i go back to the will do not might

20:00
do we're filming this and the will do

20:02
studios using the annuity fund cam

20:04
that's i like that i really

20:06
so the will do stu what's will do you

20:08
own an annuity for what it will do not

20:09
what it might do

20:10
i beg and plead you out there to you out

20:13
there

20:14
do not buy an annuity for the

20:15
hypothetical theoretical back-tested

20:17
projected hopeful agent return scenarios

20:20
please don't buy the dream because

20:22
you're going to own the contractual

20:24
realities

20:26
it's just that simple in fact i think

20:28
back-tested numbers and proposals should

20:31
be illegal

20:31
and some states are proposing that

20:33
there's some legislators

20:34
out there saying we can't do this

20:36
because you can juice those numbers

20:38
do not ever buy an annuity of any type

20:41
that's not that you're not making the

20:42
decision solely

20:44
on the contractual guarantees the will

20:47
do

20:48
of the policy not the might do okay

20:51
you can't fall for the bad chicken

20:54
dinner

20:54
seminar sales pitch where the guy or

20:57
gal's up there is talking about well you

20:59
need to buy this one product

21:01
that's like a doctor having a bunch of

21:03
people in the room and then prescribing

21:04
one

21:05
medicine to them insane but that's how

21:08
most annuities are sold

21:10
period you know when we run quotes

21:12
you're gonna see five or ten of the top

21:14
when we run it we're going to run for

21:15
the highest contractual guarantee and

21:17
typically we list the top 10

21:19
the highest contractual guarantees of

21:20
the top 10 for your specific situation

21:23
and your state of residence that's it

21:25
and then we talk about which one makes

21:28
sense

21:29
period we look at the ratings and claims

21:30
spain abilities and all that stuff

21:33
by the way if you do decide to work with

21:35
us number one you're going to be dealing

21:36
with me

21:37
not junior stan not junior stinette

21:40
or stanielle or stanley jr stanley no

21:43
you're dealing with me stan the annuity

21:45
man

21:46
one-on-one top agent in the country why

21:48
because i have a great staff around me

21:49
that allows me to do that

21:51
and i want to make sure you're not going

21:53
to make a mistake you're not going to

21:54
put too much money in

21:55
we're going to put that contractual

21:57
guaranteed customized plan together

22:00
that makes sense for your specific

22:02
situation we will take care of all the

22:03
paperwork from start to finish

22:05
we will make sure that an ira ira

22:07
transfer is a non-taxable event we do

22:09
all of that for you turnkey what you

22:12
have to do

22:13
is get the books watch the videos listen

22:16
to the podcast

22:17
schedule a call run quotes on your own

22:19
if you want to on the site

22:21
and then let's have that discussion by

22:22
the way there's never

22:24
ever ever ever an urgency to buy an

22:27
annuity

22:28
ever i don't care what anybody tells you

22:30
all right

22:32
period and by the way if someone says

22:34
you need to buy an annuity for an

22:35
upfront bonus or something like that

22:36
there's no philanthropist annuity

22:38
companies number one's waking up in the

22:39
morning saying you know what i want to

22:41
give money away they're not

22:43
i mean they're just not you have to you

22:46
have to

22:47
take your time and fully understand what

22:50
you're buying you have to be able to

22:52
explain it to someone else

22:54
exactly what you're buying if it's a

22:56
spouse or partner or a beneficiary

22:57
whatever

22:58
you know don't just accept what the

23:00
agent says

23:01
period and that's including me standing

23:03
nudity man america's annuity agent

23:04
i'm going to show you the top

23:06
contractual guarantees

23:08
period there will be no hypotheticals or

23:10
theoreticals but getting back to the

23:12
social security is the best

23:13
annuity on the planet and oh by the way

23:15
congratulations

23:17
on owning the best inflation annuity on

23:19
the planet you didn't even know

23:20
some of you on this podcast didn't even

23:22
know you owned an annuity

23:23
you do social security it's the best one

23:27
out there and they are going to back it

23:29
up and by the way

23:31
you i mean claim spendability i know

23:33
we're running all these deficits but

23:34
trust me

23:36
social security recipients vote and

23:38
because social security recipients vote

23:41
that annuity will never be touched by

23:43
politicians

23:45
period is that a good thing i don't know

23:48
we'll have that political argument

23:49
if you want to okay but i'm just saying

23:52
it's just not going to happen so that's

23:54
an annuity that you have

23:56
it might be the only annuity that you

23:57
need but you might want to look

24:00
at some more strategies and get some

24:03
more information from us and schedule a

24:06
call with me to see if

24:07
an annuity strategy fits especially if

24:10
you're at chapter 2 of your life and

24:11
you're trying to

24:13
create an income floor or enhance the

24:16
income floor

24:17
you have a gap in that income floor that

24:19
you need to fill

24:20
that's where annuities like an immediate

24:23
annuity or deferred income annuity q

24:24
lakhs or income riders can complement

24:27
the annuity that you currently own which

24:29
is social security

24:30
so with that i really appreciate you

24:34
tuning in to fun with annuities can

24:37
annuities be fun you darn right they can

24:40
okay is a pension fund is lifetime

24:43
income fun

24:44
is income hitting your monthly hitting

24:46
your account on a monthly basis

24:47
for life fun uh yeah because that

24:50
equates into lifestyle

24:52
to me fun with annuities means it's your

24:55
lifestyle

24:56
okay it's enhancing your lifestyle

24:58
whether you're protecting the principal

24:59
from

25:00
losses or you're transferring risk for a

25:02
lifetime income stream

25:04
yes people laugh at me all the time fun

25:06
with annuities then you darn right fun

25:08
because my clients when they have

25:10
annuities properly

25:12
put in their portfolio and it's suitable

25:14
and appropriate it enhances their life

25:16
because they're transferring risk

25:18
and i think at the end of the day that's

25:19
what you've got to decide do i want to

25:21
shoulder the risk or do i want to

25:23
transfer some of the risk

25:25
you know those are the conversations

25:26
that we're gonna have hey

25:28
i appreciate you joining me i'm stan the

25:30
annuity man i'm america's annuity agent

25:32
and you are listening to the number one

25:34
annuity podcast

25:36
on the planet fun with

25:40
annuities

25:44
thanks for listening to fun with

25:46
annuities please hit the subscribe

25:47
button and make sure to go to my site

25:50
at the annuityman.com where you can run

25:52
your own spea dia

25:54
and q lat quotes and see a live feed of

25:56
the best mega fix rates

25:58
in the country and even get indexed and

26:01
income writer quotes as well

26:03
you can also sign up for my six annuity

26:05
owner's manual books and i'll ship them

26:07
for free and under no

26:09
obligation i also encourage you to

26:11
schedule a one-on-one call with me

26:14
stan the annuity man so we can have a

26:16
full discussion

26:17
of your specific situation it will be

26:20
the best

26:20
brutally factual and truthful advice you

26:24
will ever get and that's one guarantee

26:26
you should definitely take advantage of

26:28
so join me next time for the number one

26:30
annuity podcast

26:31
on the planet fun with annuities

26:39
[Music]

26:48
you