039 Inherited Annuities: What are your specific choices?

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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

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find out the brutal facts about

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annuities with no sales pitches or high

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pressure 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

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start right now

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[Music]

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welcome to fun with annuities the number

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one annuity podcast on the planet

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i'm your host stan the annuity man

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america's annuity agent licensed

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in all 50 states i do encourage you to

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go to the annuityman.com for books and

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quotes and calculators and schedule

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calls and all that stuff

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but let's get right into the topic today

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which is a very

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timely one you know we're at the time of

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this taping obviously we're going

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through

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you know covet and all that nonsense

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which is it's not nonsense it's pretty

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scary

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and there's a lot of people passing away

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and i'm getting a lot of calls about

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what happens to my annuity if i die so

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the today's topic

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is inherited annuities and what are the

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choices

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you know what are the choices if you are

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a a child or

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of the of the owner of the annuity or a

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spouse

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um i'm going to go through all of that

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now before we get started

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on on the details of those choices and

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i've really

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narrowed them down to three choices and

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i want to give a shout out

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to my ceo and director of operations uh

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at the annuity man and you might have

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spoken with her if you are a client her

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name is leah

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she is fantastic and has forgotten more

1:47
than most people will ever know about

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annuities

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and she really helped me synopsize this

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podcast

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um into something that's very easy to

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digest and understand so i want to give

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her

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um the props and and uh and the

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compliment of just

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just being number one a great ceo for

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the annuity man but also very

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knowledgeable

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and helpful to clients around the

2:12
country our client base but boy is she a

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talent

2:14
and she's certainly a brain when it

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comes to annuities so with that being

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said

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i do want you to when you think about

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annuities you know i've always said you

2:22
know chester calls me and says

2:24
all i knew what you stand i mean that's

2:26
crazy obviously everyone on the planet

2:28
already owns an annuity it's called

2:29
social security and by the way

2:31
it's the best inflation annuity on the

2:32
planet because the congress people just

2:34
vote the increases there's no actuaries

2:36
involved they just voted

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um so but um you can't hate all

2:41
annuities it's like

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hitting all trucks or hitting all

2:43
restaurants there's many different types

2:45
of annuities there's cd types of

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annuities they're income annuities

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there's deferred annuities there's index

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annuities there's variable annuities

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there's charitable gift annuities

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there's all kinds of annuities um but

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with 10 000 baby boomers hitting age 65

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every single day which i guess is

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chapter 2 retirement age but that's a

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big number

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10 000 people every day hitting age 65

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there's going to be a lot of people just

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actually passing away and there's going

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to be a lot of people

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inherent inheriting annuities so you

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might be watching this or listen to this

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obviously i have a fun with annuities

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youtube channel that you can watch these

3:21
podcasts so if you're listening

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on you know spotify and twitter and

3:25
itunes and all that

3:27
we do film this and i also have a a

3:29
standing nudey man youtube channel that

3:31
i do

3:31
product specific videos on but um

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you know but what i wanted to cover is

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with annuities

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there's so many different types and you

3:40
can have annuities

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inside of an ira or outside of an ira

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you can have them in a roth ira and i

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know

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i'm going to stop right here because

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there's so many misinformed misguided

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agents and advisors out there

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that will say the or better yet people

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that write or

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comment on in newspapers and radio and

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television that'll say never put

4:02
an annuity and they say annuity as a

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general term inside of an ira

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that's absolute garbage because

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when you buy an annuity for what it will

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do not what it might do by the way we're

4:13
in the wilderness studios on the annuity

4:14
fund camp but always say

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you bought an annuity for it will do not

4:18
what it might do

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okay when you're buying it for the

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contractual guarantees it's okay to put

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it inside of an ira because you're

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buying the contractual guarantees

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you can have lifetime income coming out

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of an ira and oh by the way

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the the most recent annuity type that

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was um

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introduced in 2014 a qualified longevity

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annuity contract

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can only be used inside of an ira or a

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qualified account so

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enough with that comment of don't put

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annuities inside of the ira

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it really is what really comes into what

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you're trying to achieve

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with the money so um the contractual

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guarantees are the same

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it's just the taxation of the money when

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you bring it out

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speaking of taxes and our friends at the

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irs and we're talking about

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inherited annuities and what do you do

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what are the choices

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when and if you inherit an annuity

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and if you're an owner of an annuity

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trying to figure out with your

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beneficiaries and help them understand

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what to do

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when you pass away when your leader jet

5:16
hits the mountain

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that's the way i say pass away um

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you have to and i just i repeat this you

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have to hire a cpa

5:28
or a tax lawyer someone that's qualified

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to give tax advice

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that's passed the test that's qualified

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do not

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take tax advice from anyone else i'm

5:38
including myself stan the annuity man

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america's annuity agent

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you know licensed in all 50 states the

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top agent out here and i've been doing

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this for decades and decades and decades

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i don't give tax advice because it's an

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ever-changing landscape

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a lot of times there's some state issues

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that you know you have to be aware of

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uh with all the states in addition to

5:58
the changing federal tax landscape

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so please i'm begging you you know i'm

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on film right now with my

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you know hands up for the people um

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listen to a podcast

6:07
please um find a cpa and tax lawyer yes

6:11
you need to speak with me to get the

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specifics

6:14
of the annuity what type et cetera and i

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would encourage you if you

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inherited an annuity or even if you want

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to do some pre-planning and say saying

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here's the annuity i have

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you know tell me a little bit about it

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from the standpoint of what my

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beneficiary's

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choices are i can do that as well but

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the final tax decision has to be between

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you

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the cpa or you and the taxler are you

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better yet you the cpa and the tax

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lawyer

6:37
triple stamp a double stamp where the

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belts and suspenders at the same time

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right

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um so you can have an annuity inside of

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an ira

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or non-ira which means you can inherit

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an annuity

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that's in an ira or not in an ira

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um so you have to be aware of that you

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have to be aware of all the the

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different types

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there's really two primary types of

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annuities there's either the annuitized

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annuities in other words those are

7:04
creating an income stream

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uh to give you a visual you've you've

7:08
ripped the knob

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off the faucet and the water's flowing

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in this case the income's flowing that's

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an annuitized product

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so if you if there's no inhere

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inheriting an annuitized product because

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it's already

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an irrevocable contract that's going to

7:22
do exactly what the contract said where

7:24
whether it's life only or life with a

7:25
period certain or life with cash refund

7:27
or life with installment refund

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there's nothing to change and then

7:30
there's the deferred annuities which is

7:32
kind of what we're talking about today

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which is the multi-year guarantee

7:36
annuities

7:37
the fixed indexed annuities which both

7:40
are cd products

7:41
and then variable annuities which most

7:43
people are going most of the sales are

7:45
indexed

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and variable i'm not happy with that it

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shouldn't be that way but it is

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and most people are inheriting those so

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you do need to understand what type of

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policy you're inheriting

7:57
if it's ira or non-ira um but let's be

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clear about one thing we are going to

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get down to

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all right what if you're a spouse or

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what if you're not a spouse so spousal

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and non-spousal choices let's first talk

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about

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spousal choices so if you're the spouse

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of someone who passed away and you

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inherited that annuity and you are

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the primary beneficiary the spouse can

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pretty much do whatever they want

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um they can take it over they can do all

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the choices i'm getting ready to tell

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you they can do that

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the only caveat is the spouse

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has to make a decision on what they want

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to do and notify

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the carrier we can help you with that

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within one year

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of the date of death so once again

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if you're a spouse and you inherit the

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annuity

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you can do whatever you want to with it

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you just have to make that choice you

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know if you say i just want to keep it

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as is fine

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or if you want to cash it out fine or if

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you want to take you know the money out

8:57
in another way watch i'm getting ready

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to talk

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fine you just have to tell the annuity

9:02
company

9:03
formally we can help you with that we

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can help you don't get in the weeds we

9:06
can get the weeds for you

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don't get in the mud we can get in the

9:09
mud for you and help you along the way

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you just have to tell the annuity

9:13
company what you want to do

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one year from the date of death so from

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the standpoint of spouses you're in

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control

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i mean you can do what you want you just

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have to inform the annuity company a

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year from the day to death

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now let's talk about the non-spouses

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this is kind of where it gets a little

9:28
funky as they say um there's there's

9:30
really

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it comes down to three primary choices

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so you've inherited the annuity and this

9:37
is for ira or not ira

9:39
okay so here's the first choice lump sum

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they die you want the lump sum and

9:45
they'll pay you the lump sum there's tax

9:47
ramifications to that

9:48
but that's when you talk to your cpa and

9:49
tax lawyer right not your head

9:51
exactly so that's your first choice very

9:53
basic i want the lump sum

9:56
chester is my dad and chester died and

9:58
chester had a 422 thousand dollar

10:01
variable annuity and the accumulation

10:03
value was that at the date of death

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i want it all send me the check and

10:07
you're the primary beneficiary that's

10:09
going to happen

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now the second choice you have as a

10:13
non-spouse beneficiary non-spousal

10:17
beneficiary

10:18
is you can take that lump sum over a

10:20
five-year time period

10:23
why would you do that you you're gonna

10:24
you would do that to let's lessen the

10:26
tax

10:27
blow because there are taxes but you say

10:30
okay instead of me getting the 500

10:32
000 let's just say it's five let's let's

10:34
just say it's a million

10:35
let's be let's let's be uh optimistic

10:38
you know that you're going to be left a

10:39
million dollars right so there's a

10:41
million dollars in the annuity

10:44
and you're going to you say you know

10:46
what i don't want the million dollar

10:47
lump sum

10:48
because i got to pay a lot of taxes on

10:49
it but i will take the 200

10:51
000 paid for over a five-year time

10:54
period each year over five years

10:56
you can do that so that's that's choice

10:58
number two

10:59
which is i just want the payments over a

11:02
five year time period

11:03
now choice number three is a little

11:06
more detailed so i'm going to go real

11:08
slow and i might talk real slow like a

11:10
southerner

11:11
like i'm from charlotte north carolina

11:13
area you know

11:14
all my relatives gonna talk like this in

11:16
the back of the throat i love that

11:18
i can turn that on like a light switch

11:19
like when i go to the family reunions

11:21
like hey how y'all doing out there i

11:23
start talking like that they're like

11:24
what and then i come back to

11:27
either florida or or nevada and i talk

11:30
without that accent

11:31
it's a skill exactly so let's talk about

11:33
number three

11:34
non-qualified and a non-qualified

11:37
if you inherited the annuity

11:39
non-qualified remember you can take the

11:40
lump sum you can take it over five years

11:42
that lump sum for five years the third

11:44
choice is you could take

11:46
an immediate annuity type payment a

11:48
lifetime income stream payment

11:50
over your life expectancy you could do

11:53
that

11:53
and that could that could that could

11:55
really kind of

11:56
stretch out that tax uh blow that you're

11:59
going to get

12:00
so you can do that as well now in an ira

12:04
if you're non-spouse ira and you inherit

12:06
it you can't take the lifetime income

12:09
stream

12:10
but you can take it over 10 years those

12:13
are just that's kind of a new law that

12:14
just came in

12:15
so let's go over those again slowly

12:18
because this is really important

12:20
and there's a lot of people that are

12:21
going to be inheriting all of these

12:23
annuities

12:24
from chester and chesterette and martha

12:26
and

12:27
and faye and all those people right

12:31
you got to know what what's available

12:33
and for all you annuity owners out there

12:35
that are worried that you're

12:36
wandering ambiguity um beneficiaries

12:39
can't make that decision that's what

12:40
this video and podcast

12:42
is for so let's go again number one non

12:45
let's let's go back to the beginning if

12:47
you're a spouse you you can do what you

12:49
want to do

12:50
you can continue it you can do exactly

12:52
what you want to do you can lump summit

12:53
you can

12:54
get a lump sum you can get it paid out

12:55
over five years you can continue the

12:57
policy it's your call

12:59
you know you can do whatever you want

13:00
you just have to let the annuity company

13:03
know what you're going to do formally

13:04
and we can help you with that

13:06
but if you're a non-spouse the three

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choices are lump sum

13:09
and this is for ira or non-ira it

13:11
doesn't matter lump sum

13:13
choice number one give me all the money

13:15
i'm gonna go buy a ferrari

13:16
and a lamborghini and a bentley and i'm

13:18
gonna lease a leadership

13:20
that's what i'm talking about that's the

13:21
lump sum number two

13:24
i'm not going to do that and make

13:25
payments i'm going to get that lump sum

13:27
but i'm going to split it out and have

13:28
it paid out over a five year time period

13:31
you can do that okay ira or not non-ira

13:36
but but now here's where it gets a

13:39
little

13:40
you know let's let's we're doing this

13:41
twice for a reason

13:43
non-qualified if it's a non-qualified

13:45
annuity and you inherit it you can

13:47
choose

13:48
in a lump sum or five years or you can

13:50
choose to have a lifetime income stream

13:52
payment like an immediate annuity

13:53
convert it into that

13:54
and pay you for the rest of your life

13:56
regardless of how long you live you

13:58
transfer the risk

13:58
the annuity companies on the hook to pay

14:00
it's it's part of your income

14:02
floor etc now if you inherited

14:05
an ira a new annuity inside of an ira

14:08
you

14:08
you can't take the lifetime income

14:10
stream but you can take payments over 10

14:13
years

14:15
got it i mean that's that's pretty basic

14:17
right

14:18
so um again you know we we need to be

14:22
part of that

14:22
discussion me and you and me and my

14:25
staff because we will help you

14:27
all along the way we won't try to sell

14:28
you anything if you know anything by now

14:31
and you're going to find out if you

14:32
don't we don't we don't do that yes

14:34
we're the top agent

14:36
i'm the top agent in the country we're

14:37
the top firm in the country um

14:39
licensed in all 50 states i'm america's

14:41
annuity agent and the reason is i'm

14:42
brutally factual

14:44
um you know we this is a place where

14:46
annuities really are not

14:48
are not sold this is where people come

14:51
to buy them

14:52
if it makes sense for them um and if

14:54
they get all the information and you

14:55
make

14:56
make your annuity choice on your terms

14:58
and on your time frame

14:59
i always tell people this there's never

15:01
an urgency to buy an annuity the urgency

15:04
is to understand

15:05
what you are buying and to make sure

15:08
that an annuity fits annuity doesn't fit

15:10
for everybody even though everyone owns

15:12
one social security

15:13
but that's kind of four stoney but not

15:15
everyone needs

15:16
an annuity so just just be careful now

15:20
i always say there's never a urgency to

15:21
buy an annuity just the urgency to

15:23
understand what you're buying

15:24
the urgency for inheriting an annuity is

15:27
making that decision within one year

15:30
of the the date of death i mean that's

15:32
the only urgency you have

15:34
but hopefully after the grieving process

15:36
is over and you've kind of processed

15:38
what's what's happened

15:39
which is tough man i've been through it

15:40
i and have you

15:42
having thousands of thousands of clients

15:44
go through it every week with people you

15:45
know numerous times

15:47
um you know we we then need to

15:49
transition to what choice do you want to

15:50
make

15:51
what's your specific situation you know

15:53
etc are you the spouse are you not the

15:55
spouse etc so let's go through

15:57
a couple of of key questions that are

15:59
always kind of asked i

16:00
when i was putting this podcast together

16:03
with with me and my staff

16:05
again leah my ceo and director of

16:07
operations was fantastic

16:08
with this uh we came up with some of

16:10
like the top four questions

16:12
uh that people asked that the first one

16:14
is can you cash out of an inherited

16:16
annuity so in other words

16:17
can you get the lump sum the answer is

16:19
yes but there's tax

16:21
ramifications for that yes of which you

16:23
need to talk to your cpa and tax lawyer

16:25
number two

16:26
can you roll over an inherited annuity

16:29
the answer is yes

16:31
you can so let's just say for example

16:36
martha's the spouse and chester passed

16:38
away and chester had a

16:40
a variable annuity of which martha told

16:42
the annuity company that she

16:44
she was going to just take it over as is

16:47
but then made the decision that she

16:50
wanted to roll it into something else

16:51
whether it's a multi-year guarantee

16:53
annuity what you can do that okay um

16:56
but the key is is it appropriate and

16:59
suitable

17:00
i think one of the problems in the

17:01
annuity industry

17:03
not everybody but many times when people

17:06
inherit annuities or there's kind of

17:08
money in motion

17:10
people always say let's move it let's

17:11
move it we can do over here and get a

17:12
bonus look

17:13
never ever ever ever ever move an

17:16
annuity for an

17:17
upfront bonus that's that's could be one

17:20
of the dumbest decisions ever and anyone

17:23
any agent that pushes that well you're

17:25
good enough for a bonus person

17:27
just understand there's no

17:28
philanthropist at annuity companies

17:30
that's giving away money

17:31
okay that's part of the overall

17:33
contractual guarantee 100 pennies in the

17:35
dollar

17:36
but if you are being pitched to take

17:39
your inherited ira and move it

17:42
contact me because you might not want to

17:44
do that you might not

17:46
want to transfer because when you

17:48
transfer

17:49
an annuity some of the attached benefits

17:52
the riders

17:53
do not transfer and you might not want

17:55
to leave those on the table

17:57
remember annuity companies have the big

17:58
abilities on the reason they sponsor

17:59
sports stadiums for a reason they have

18:01
the big logos on the plane

18:03
because they don't give anything away

18:05
number one they price it all in and

18:06
number two they make it hard

18:09
mathematically to get out of the policy

18:10
meaning that when you

18:12
are looking for example if you're

18:14
looking to transfer

18:16
at a inherited annuity to another

18:18
annuity

18:19
legally during the application process

18:22
we have to do a side-by-side comparison

18:24
of the annuity that you're coming from

18:26
and that you inherited to the annuity

18:28
that you're going to and if it's not

18:29
mathematically in your favor

18:31
not the age it's your favor then the

18:34
annuity company won't accept the

18:35
transfer thank goodness

18:37
and the only way that even can get done

18:39
is if the if the applications fill out

18:42
incorrectly in quotation marks so

18:46
you know in most cases we need to make

18:49
sure that the goals are in place and

18:51
that

18:51
the contractual guarantees of the policy

18:53
that you inherited

18:55
aren't higher than what you can get on

18:57
the street if it's what

18:58
the if they're higher than what you can

19:00
get on the street contractually then we

19:01
have a conversation that we need to take

19:03
that needs to take place

19:04
wow that was number two okay sorry that

19:06
was the second question

19:07
number three do i have to pay taxes on

19:10
an inherited annuity

19:11
yes and do not allow anybody to tell you

19:15
otherwise that they've come up with some

19:17
idea you're flipping this and that and

19:19
quits and

19:20
moving this and over there and under

19:22
here and up but no

19:26
the irs i know you hate them i don't i

19:29
love them they're nice people

19:31
but trust me on this one the irs

19:35
there are no loopholes there are no

19:38
loopholes

19:38
okay if you if the annuities inside of

19:40
the ira

19:42
then there's been taxes being deferred

19:44
you know and they're going to want their

19:45
taxes

19:46
of the irs if it's in a non-ira

19:49
that's a great part about deferred

19:50
annuities the the growth compounds

19:53
and grows tax deferred once again the

19:55
irs is going to want their cut

19:57
so the answer to the question is do i

20:00
have to pay taxes on it

20:02
yes but a lot of it comes down to how

20:04
you're going to

20:05
disperse that money lump sum you got to

20:07
pay taxes right or you take it over five

20:09
years

20:10
you can stretch it or if it's an ira

20:11
take it over ten years you can stretch

20:13
it

20:13
or if it's non-qualified non-spousal you

20:15
can take a lifetime income stream

20:18
it really comes down to that but you are

20:20
going to have to pay

20:21
taxes i mean let me be crystal clear

20:24
about that

20:25
and don't let anybody say well i got tax

20:27
free income strategy

20:29
no you don't okay and there's a lot of

20:32
shenanigans going out there on out there

20:34
with people saying this tax free income

20:35
is really kind of a loan like a loan off

20:37
a

20:37
life insurance policy or something like

20:39
that so don't fall for that if it sounds

20:41
too good to be true it is every single

20:42
time

20:43
right nod your head yes fourth question

20:47
what is the best thing to do with an

20:49
inherited annuity

20:50
boy what a loaded question that's an

20:52
agent's dream to get that i don't

20:53
not my dream and it's an asian stream to

20:55
get that question because well i just

20:57
got the perfect scenario for you i got

20:58
the perfect product

21:00
remember this and this is this is an

21:03
important question i'm going to read it

21:04
again

21:05
what is the best thing to do with an

21:06
inherited annuity

21:09
there's no perfect answer just bad sales

21:11
pitches right

21:13
remember my two questions and if you

21:15
this the first time you ever listened to

21:16
stan the annuity man america's annuity

21:18
agent

21:18
i've really simplified this down to two

21:20
things two questions

21:22
ask and answer these two questions what

21:24
do you want the money to contractually

21:26
do

21:27
and when do you want those contractual

21:28
guarantees to start

21:30
that's it that's it those are it what do

21:32
you want the money to contractually do

21:34
and when do you want those contractual

21:36
guarantees to start

21:38
that's it and if your answer to that

21:41
is i won't stock market growth i want to

21:43
be gordon gekko i want to be a trader

21:47
then you do not need an annuity never

21:48
buy an annuity for market growth

21:50
regardless of what anyone shows you

21:51
tells you promise you

21:52
or or says at the bad chicken dinner

21:54
seminar never

21:56
okay ever period end of story

21:59
now the other thing that i've come up

22:01
with is an easy to remember remember

22:03
that's that's easy for me to say

22:04
remember acronym called pill

22:07
p stands for principal protection i

22:10
stands for income for life

22:11
l stands for legacy and the other l

22:13
stands for long-term care confinement

22:15
care

22:15
i'll do it again p stands for principal

22:18
protection

22:18
i stands for income for life l stands

22:21
for legacy

22:22
and the other l stands for long-term

22:24
care confinement care

22:26
if you do not need to contractually

22:28
solve for one or more

22:29
of those items in the pill

22:32
you do not need an

22:35
annuity of any type period in the story

22:39
i mean it's really that simple so you

22:41
know

22:42
what what's the best decision for your

22:43
inherited annuity it comes down to what

22:46
you want it to do contractually

22:48
and when you want those contractual

22:50
guarantees to start

22:51
so if you come to me and say well sarah

22:53
i really kind of want a reasonable rate

22:55
of return

22:56
that wrong answer okay be more specific

22:59
what's a reasonable rate of return for

23:01
you well i'd like to get uh

23:03
seven eight percent guaranteed per year

23:05
bad dream world

23:06
wake up it's not gonna happen okay

23:09
that's not what annuities do

23:11
now there are income riders that grow at

23:12
that amount but that's just for income

23:14
it's monopoly money so don't be

23:16
bamboozled

23:17
remember if it sounds too good to be

23:18
true it is every single time

23:21
with annuities so getting back to the to

23:24
the original title of the podcast i

23:26
digressed a little bit

23:27
you know inherited annuities what are

23:29
your choices

23:30
um pretty basic we'll go over them again

23:33
if you're a spouse you run the show you

23:34
can do what you want you can you can

23:36
continue the policy or you got all the

23:38
other choices as well

23:39
you just have to let the annuity company

23:41
know one year

23:42
from from the day to death and with

23:44
non-spouses you have to let the annuity

23:45
company know one year from the date of

23:47
death of the owner of the policy

23:49
but with non-spouses you can take the

23:51
lump sum you can take the lump sum over

23:53
a five-year time period

23:54
if it's a non-qualified uh inherited

23:56
annuity non-ira inherited annuity

23:59
you can stretch out those payments kind

24:00
of on a lifetime income stream and if

24:02
it's an ira inherited annuity

24:04
you can stretch out those payments for a

24:05
maximum of 10 years

24:07
and that's just a new law that just came

24:09
down the pipe so what i would you know

24:12
remember don't buy don't don't buy the

24:14
dream because you're going to own the

24:16
contractual reality so be real careful

24:18
about people pouncing wanting you to

24:20
transfer

24:21
signing the paperwork quickly and all

24:22
that stuff slow the game down

24:24
you know go to my site at the

24:25
annuityman.com and

24:27
schedule a call with me 30 minutes it'll

24:29
be brutally factual

24:31
i'm not gonna be your friend i'm gonna

24:32
be the best advisor on the planet

24:34
to you i'm gonna i'm gonna be brutal

24:36
with you okay

24:37
about what your choices are and if it

24:39
happens that an annuity works and that

24:41
we

24:42
could and should transfer it then then

24:44
great we can do that you become a client

24:46
but the the bottom line is you know

24:48
we've taken a stance here the annuity

24:49
man

24:50
um that we're going to help people

24:52
during this this process

24:54
because there's a lot of people passing

24:55
away kova it's been a wake-up call for a

24:57
lot of people

24:58
um there's a lot of people that are that

25:00
are inheriting the news they don't know

25:01
what to do they didn't even know the

25:02
word annuity

25:03
until their their father or mother

25:05
passed away and all of a sudden they got

25:06
this variable annuities

25:07
statement staring them in the face

25:09
that's where we step in that's where i

25:10
step in

25:11
as america's annuity agent to help you

25:14
and just remember that you know

25:16
annuities are contracts there's not one

25:18
that's better than the other it's a

25:19
commodity type product

25:20
you buy them like you buy plane tickets

25:22
but with inherited annuities we're not

25:23
talking about

25:24
buying we're talking about making a good

25:26
decision with what you've inherited

25:29
right so i hope to be a part of that

25:32
and i'm glad you've joined me on the fun

25:34
with annuities podcast

25:36
um these are coming out weekly and once

25:37
again go to my site at theannuityman.com

25:40
to run your own quotes we have our the

25:42
best calculators on the planet you can

25:44
run them 24 7 365

25:46
you can get my books i i've i've written

25:48
a bunch of books i'll ship you six

25:50
owners manuals for free under

25:51
no obligation and you can schedule call

25:53
with me yes me

25:54
stand the annuity man for a 30 minute

25:57
one-on-one consultation

25:58
non-salesy because i don't i gotta i

26:00
gotta find out who you are first you

26:02
might not need an annuity

26:03
so with that thanks for joining me on

26:05
fun with annuities the number one

26:06
annuity podcast on the planet for a

26:08
reason

26:09
it's because we have fun in the wild do

26:11
not mind do studios on the annuity fund

26:13
camp

26:13
i'm stan the annuity man america's

26:15
annuity agent i'll see you next time

26:22
thanks for listening to fun with

26:24
annuities please hit the subscribe

26:26
button and make sure to go to my site

26:28
at the annuityman.com where you can run

26:31
your own spea dia and culat quotes

26:34
and see a live feed of the best mica fix

26:36
rates

26:37
in the country and even get indexed and

26:39
income writer quotes as well

26:41
you can also sign up for my six annuity

26:44
owner's manual books and i'll ship them

26:46
for free

26:46
and under no obligation i also encourage

26:50
you to schedule a one-on-one call with

26:52
me

26:52
stand the annuity man so we can have a

26:54
full discussion

26:56
of your specific situation it will be

26:58
the best

26:59
brutally factual and truthful advice you

27:02
will ever get and that's one guarantee

27:04
you should definitely take advantage of

27:06
so join me next time for the number one

27:08
annuity podcast on

27:10
the planet fun with annuities

27:27
you