047 Annuity News - Vanguard Annuities Now Handled by Transamerica

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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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[Music]

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welcome to fun with annuities the number

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and running on treadmills

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thank you so much for joining us we do

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stan the annuity man where i there's 300

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today's topic let's just jump right into

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it because

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it is timely this is under the annuity

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news

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category

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like whatever that is a news i mean this

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is news this is

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this is happening and i'm getting in

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undated with calls about

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this topic and the topic is

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vanguard and transamerica and vanguard

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um got out of the annuity business a

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couple years ago which kind of surprised

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all of us even the people that were

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vanguard customers

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and transamerica i believe

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bought most of the servicing of those

2:00
vanguard annuities now

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disclaimer legal disclaimer lawyers

2:05
listen up because if you're getting

2:06
ready to shoot me something says

2:10
this is my opinion

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okay it's my opinion based upon me

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being in the battle every day and in the

2:20
weeds every day

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talking to my clients in all 50 states

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because i'm america's annuity agent

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so people are calling me because they're

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they're concerned

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i mean they really are so it's my

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opinion right listen

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i've got nothing against vanguard love

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vanguard

2:35
you know i have a vanguard account hello

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and then transamerica absolutely nothing

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wrong with transamerica

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um great company great building in san

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francisco

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great people and i believe there are

2:46
service centers in iowa great people

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now with that being said and that

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disclaimer out of the way let's talk

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about what's happening right now which

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is a complete

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uphill climb i was going to say

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something a little bit more brutal but

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trying to keep it clean here on the fun

3:03
with annuities podcast

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so a lot of people bought

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very like no load variable annuities

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with with um

3:12
with vanguard and and they had a very

3:15
good

3:16
no load variable no disclaimer once

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again i don't sell variable variable

3:19
annuities because i don't sell anything

3:21
that has the potential to go down in

3:22
value

3:23
um i only sell fixed annuities i don't

3:25
have anything against variable annuities

3:26
i just

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my opinion my opinion once again is if

3:30
you want market growth then

3:32
don't buy an annuity of any type you

3:34
know put your money in

3:35
mutual funds and go watch it grow but

3:38
the argument for the vanguard variable

3:39
annuity and variable annuities when they

3:40
were put on the planet in the 1950s i

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believe 1955

3:44
by tiaa was the original uh

3:47
group that that introduced them was for

3:49
tax deferred growth in a non-ira account

3:52
so they do have their place the only

3:53
thing i say is with variable annuities

3:55
you're still

3:55
limited on your mutual fund they call

3:58
them

3:58
the industry calls them separate

4:00
accounts for whatever reason

4:02
but to me and you in english they're

4:03
they're mutual funds but you have

4:05
limited choices

4:06
anytime that you have limited choices

4:09
in a in a real stock market environment

4:13
then i'm like well then why would you

4:14
limit your choices

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you know i work for dean witter and

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payne weber and morgan stanley and ubs

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on that side of the ledger was all about

4:22
pure growth so i get it so when i became

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the mythical and

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unbelievable america's agent figure

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stand the annuity man

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i could not believe how annuities were

4:31
being sold out here because

4:32
their soldiers market products in my

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opinion they're not but let's get back

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to the story

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it's not a story let's get back to the

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issue

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vanguard you know got out of the

4:42
business made this announcement stunned

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everybody and i even got a call from one

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of their executives they were stunned

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i mean i think that it just kind of took

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a lot of people by surprise

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but um so transamerica is now

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the the company that is servicing

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all of those annuities that were

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purchased at vanguard now

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i have a saying that is a little racy so

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if you have children in the car put you

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know

5:06
pull it over and put your ears over

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hands over their ears and here's the

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saying

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never write a check with your mouth that

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your rear end can't cash

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okay i'm not saying that that

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transamerica is

5:19
doing has done that but it sure as heck

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looks like it

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because here's the calls that i'm

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getting as stan the annuity man

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america's annuity agent licensed in all

5:28
50 states

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and the call goes something like this

5:32
hey stan

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i got this vanguard variable annuity is

5:36
now being serviced by transamerica

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and i've been on hold for three hours

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or four hours or two hours or one hour

5:45
and i got a call from a gentleman the

5:47
other day

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um he you know first time he called me

5:50
he said stan i'm concerned i have over a

5:53
million dollars

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and this isn't the first one i've gotten

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in the vanguard

5:58
in a vanguard variable annuity that's

5:59
now with transamerica and all i really

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want to know standing annuity man is

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do they have my million dollars i need

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someone at transamerica to tell me

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yes mr jones mr chester jones

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you have or whatever your name is you

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have

6:16
one million dollars in this annuity

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it is a mess i'm gonna

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i haven't seen anything like this but i

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i do think it's it

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it comes it addresses a bigger picture

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about the annuity industry and where

6:32
we're at at this point in time

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at the time of this taping we all know

6:35
we've been through the covet thing

6:37
we're not been through it we're still in

6:38
it a year later

6:40
and it doesn't look like it's subsiding

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and it's been a

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weird time for annuity companies for us

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we've been fortunate because we have a

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direct

6:48
consumer model and i only sell

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contractual guarantees and i tell people

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all the time don't confuse a virus with

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gene

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with genius it just worked out for us

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which is great and i think my brutal

6:58
uh telling of the truth with annuities

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helps as well because that

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that message is spreading but

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it's a demographic title wave of people

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retiring

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so reaching the age of retirement over

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and you've heard me say this before if

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not lean in

7:13
over 10 000 americans reached the age of

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65

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every single day pause

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to let that one sink in that's a lot

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that's a demographic tidal wave of

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people

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that are going to be looking for

7:30
guarantees or

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tax deferral or lifetime income

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or principal protection or confinement

7:37
care long-term care or legacy type

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products

7:40
in other words they're going to be

7:41
looking for contractual guarantees oh by

7:43
the way annuities are contractual

7:44
guarantees

7:45
so the demographic tidal wave a lot of

7:48
companies want to get in front of that

7:50
so you're going to see

7:51
a lot of consolidation from the masters

7:54
of the universe getting in the business

7:57
and wake up call when they get here

7:59
they're going to find out is

8:00
very very regulated highly regulated

8:03
always say

8:04
annuity companies and life insurance

8:05
companies that issue annuities are not

8:07
smarter than banks

8:08
they're just more regulated they're more

8:09
handcuffed they can't be

8:11
you know johnny derivatives trader okay

8:14
they can't do that

8:15
by law they have to purchase specific

8:17
things and have

8:18
you know 100 of your memphis a fixed

8:20
annuity 100 of your money

8:21
on hand day one i mean there's some

8:23
things that that uh

8:25
hedge fund guy and and you know peter

8:28
private equity guy

8:30
whatever that guy's name is they can't

8:32
come out here and rip and tear

8:33
because if they do they're going to go

8:34
to jail okay we're talking about

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people's retirement

8:38
but we're seeing a lot of consolidation

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we're seeing a lot of companies buy

8:42
other companies at the time of this

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taping um

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a very good company mass mutual bought

8:48
another very

8:48
good company great american but none of

8:50
us saw it coming

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we're like huh wow how about that but i

8:55
do think

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uh there will be also companies that get

8:58
out of the business

8:59
like vanguard because if you think

9:02
logically about vanguard vanguard's a

9:03
mutual fund

9:04
and a 401k and a

9:07
manage your money type types place there

9:10
it really isn't

9:11
it never was an annuity landing spot the

9:14
reason people bought

9:15
annuities from vanguard was a the cost

9:18
right

9:19
but b they trusted the brand they

9:22
trusted

9:23
uh vanguard and and rightly so

9:26
i mean great great company um

9:29
but when they got out of the business

9:31
then where do those annuity people go

9:33
and in this case they're going to

9:35
transamerica now

9:37
in transamerica's defense um i'm not

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sure you could ever

9:42
predict the onslaught of calls

9:45
and requests from the vanguard people

9:47
and the interesting part about it is the

9:50
vanguard people

9:52
are very spoiled from a customer service

9:54
standpoint nod your head vanguard people

9:57
um vanguard is fantastic in the customer

10:00
service area

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you know i consider my company the

10:03
annuity man fantastic but we try to be

10:05
as good as or better than vanguard

10:08
because it's all about the customer

10:09
experience so what do you do

10:11
you know i feel sorry for transamerica a

10:13
little bit because

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i'm sure they can't hire people enough

10:16
and fast enough and covet hasn't made it

10:18
any easier

10:19
because it can't be a central place for

10:21
people to go and get trained

10:23
i mean it was like the it was the

10:24
perfect storm of administrative hell

10:27
hitting at the same time my heart goes

10:29
out to them

10:30
i'm serious because they didn't they

10:34
don't want to not

10:35
treat the vanguard customers bad they're

10:37
they're trying

10:38
and they just they just miscalculated

10:41
number one i think i'm guessing

10:43
but number two they got blindsided by

10:46
covid

10:47
they got blindsided from the fact that

10:48
they can't hire or bring people in to a

10:51
centralized location

10:52
i mean think about it and so here they

10:55
are and people are calling in and all

10:56
mad

10:57
and you know two and three and four are

10:59
literally four hours

11:00
on hold i don't even know what that

11:02
means um but i'm getting to the point

11:04
where i do because guess what

11:06
people are saying stan the annuity man

11:09
you know look can i just

11:10
move that transamerica or that variable

11:13
annuity

11:14
into a fixed rate annuity well first of

11:16
all we have to make sure it's suitable

11:18
and appropriate and that

11:19
you're not leaving benefits on the table

11:20
and it's in your best interest anytime

11:22
you transfer one annuity to another

11:24
during the application process you have

11:26
to prove contractually

11:29
that it's a better deal for you to go

11:30
from one to the other but a lot of

11:31
people say

11:32
hey this variable annuity let's just

11:34
take it to a fixed annuity

11:35
um take the volatility out take any uh

11:38
take

11:38
take all that out and what's happening

11:40
is i'm having to hire

11:42
people to stay on hold with with uh

11:44
transamerica because what we're doing

11:46
is we're we're removing you from the

11:48
process we're getting in the weeds and

11:50
we're getting in the mud for you

11:52
um and we do that and that's fine

11:55
um but for a lot of people that are

11:57
going to be listening to this for the

11:58
first time is

11:59
they're throwing their hands up what do

12:00
i do i'm not can't get in touch with

12:02
anybody

12:02
you know this isn't a sales pitch but at

12:05
least let me look at it and let us look

12:07
at it

12:07
to see if there's a suitable and

12:08
appropriate solution

12:10
that's a possible transfer and then if

12:13
they're in if that is a

12:15
suitable and appropriate transfer that

12:17
we should do based upon

12:19
mind your conversation you set an

12:20
appointment at the annuityman.com book a

12:22
call

12:22
and i go through my two questions what

12:24
do you want the money to contractually

12:25
do and when do you want those

12:26
contractual guarantees to start

12:28
and my acronym pill p stands for

12:30
principal protection i stands for income

12:32
for life l stands for legacy

12:33
and the other l stands for long-term

12:35
care confinement care if you want to

12:36
solve for one or more of those

12:38
then fine and if you answer the two

12:39
questions and we we believe that

12:42
you're going to be upgraded by moving

12:44
the the product

12:46
from from transamerica then we will do

12:48
it okay

12:49
otherwise we will not okay because you

12:52
if if the benefits are rich they're

12:54
trans america we're just gonna say hey

12:55
you gotta grin and bear it and

12:57
and fight through it now in with

12:59
situations like this when situations

13:01
like these

13:02
occur in the annuity industry and

13:04
they're going to occur more and more

13:06
the sharks smell the blood okay

13:09
and it won't surprise me if someone runs

13:12
an ad about it

13:13
or someone says um you know come over

13:16
here and move your thing and get a 10

13:18
bonus be careful and let's go down the

13:21
bonus track again and if

13:22
if you know what i say about bonuses

13:24
just hold hold on because you've heard

13:26
it before but for the people that

13:27
haven't

13:28
upfront bonuses is what i call candy for

13:31
the stupid

13:32
okay you cannot be that gullible

13:36
to think that there's a philanthropist

13:38
an annuity coming to giving money away

13:39
and this is free money

13:41
it's it's part of the overall

13:42
contractual guarantee nothing wrong good

13:44
or bad about it this is part of the

13:45
overall contractual guarantee

13:47
that we'll quote all carriers with and

13:49
without income riders to see

13:50
who provides the the highest contractual

13:52
guarantee um and spoiler alert a lot of

13:55
the time

13:56
the the products without the bonus have

13:59
the higher contractual guarantee

14:01
there's only 100 pennies in the dollar

14:02
if it sounds too good to be true it is

14:04
every single time no exceptions with

14:05
annuities

14:06
but what you're going to start seeing is

14:08
transfer

14:09
from your variable annuity to an index

14:12
into it and get an upfront bonus you get

14:13
market upside with no downside which is

14:14
not true it's a cd

14:16
product i'm just saying be careful don't

14:19
make rash decisions

14:21
just because you can't get through to

14:23
transamerica at this point in time

14:25
or whoever the company is that gets

14:27
swamped when they

14:29
take over um the portfolio of annuity of

14:32
annuities that a company is no longer

14:34
let's just let's just say

14:35
i doubt if this will happen but let's

14:37
just say fidelity got out

14:39
of the annuity business it's probably

14:40
not going to happen but let's just say i

14:41
didn't think vanguard was going to get

14:42
out but

14:44
and xyz companies said okay we're going

14:46
to sign a deal and we're going to

14:48
negotiate with fidelity to handle all of

14:49
the people

14:50
that were annuity companies at fidelity

14:52
i will pretty much guarantee that's

14:53
going to be

14:54
a shiatto show as they

14:58
say for the receiving company that has

15:01
agreed to take on the administrative

15:04
uh oversight of those policies

15:08
so it's crazy out there what i'm trying

15:11
to

15:12
and hopefully trying to convey to you is

15:15
if you're that person that has a

15:16
transamerica annuity and you

15:18
are a vanguard annuity that's now

15:20
transamerica and you need some guidance

15:22
and

15:23
annuity therapy call me call me i'm

15:25
getting tons of these calls

15:27
you know this is the type of pro bono

15:29
work that i do yes i sell annuities i

15:30
sell more than hoodies anybody on the

15:32
planet

15:32
that's how i make a living i'm not one

15:34
agent out here but in these types of

15:36
situations

15:37
i'm the expert so when people need to

15:39
help they're going to call the expert

15:40
right and i will help you decipher

15:43
what you need to do based upon the the

15:46
annuity that you owned through vanguard

15:48
that's now at transamerica

15:50
and i'm you know i have good contacts at

15:52
transamerica and we're working with them

15:54
and they're trying their rear ends off

15:56
i'm telling you right now you have to

15:58
understand

15:58
that they're on your side they're doing

16:00
the best they can these are human beings

16:03
but yes they've been bitten off a little

16:05
bit more that they can chew

16:07
but to to their defense it's probably

16:10
because

16:11
of covid and all the stuff that has

16:15
really made business

16:16
very hard for a lot of for a lot of

16:18
business especially

16:20
this type of customer service type

16:21
business because i'm assuming

16:23
um you know they're not in some central

16:24
location everyone's

16:26
um everyone's uh virtual from a customer

16:29
service standpoint which

16:30
in a lot of cases is like herding cats

16:33
it's hard

16:34
it's hard to do so you know

16:37
the vanguard people yes this is tough

16:39
because

16:40
you were never told or asked if hey

16:43
would you mind if we got out of the

16:45
annuity business and

16:48
and transferred everything to another

16:49
company good company transamerica great

16:51
company

16:52
um they don't ask you it is what it is

16:55
and you're gonna have to get used to it

16:56
in the consumer world of this type of

16:57
consolidation especially

17:00
in the annuity and life insurance

17:02
business because the demographic tidal

17:04
wave is just huge

17:05
just remember that with a lot of these

17:09
annuities vanguard sold

17:12
they have some attached benefits to them

17:14
that

17:15
obviously went to transamerica

17:17
transamerica is now holding and helping

17:19
you out with

17:20
but when you go to transfer those those

17:22
attached benefits in a lot of cases

17:23
don't transfer

17:25
the accumulation value transfers not the

17:27
attached benefit

17:28
and that's the reason i said earlier in

17:30
the podcast that if you have one then

17:32
we're going to

17:33
look at it and say and determine if you

17:36
can beat the contractual guarantees that

17:38
are attached

17:39
if it's just a a straight variable

17:41
annuity with no attachments and just

17:43
mutual funds separate accounts inside of

17:44
it

17:45
and you just want to get out of the

17:46
market and move it to a fixed rate

17:48
annuity then that's fine

17:50
i still need to i still need to hear it

17:52
from you i still need to get a bigger

17:54
picture

17:55
from a suitability and appropriate

17:56
appropriateness standpoint

17:58
before anything happens yes we represent

18:02
pretty much every carrier on the planet

18:04
at the annuityman.com yes i am licensed

18:06
in all 50 states

18:07
yes i sell annuities but the

18:09
annuityman.com is where annuities are

18:11
bought not sold

18:14
we do not pressure people you make your

18:16
decision on your terms and on your time

18:18
frame

18:20
period um there's no urgency to buy an

18:23
annuity

18:24
annuities or contracts so you have to

18:26
understand the contract there's no

18:28
urgency to transfer

18:29
an annuity from say a transamerica to

18:32
somewhere else

18:33
no go slow i know that

18:36
it is frustrating i know that you don't

18:40
like being on hold i don't like being on

18:41
hold on

18:42
my employees being on hold but we'll

18:43
we'll go on hold for you if you're a

18:45
client

18:46
um but transamerica is on your side

18:50
they're doing the best they can

18:51
your money is fine they're not going to

18:53
lose your money if you

18:55
my mom who lives in st augustine florida

18:57
i mean she's

18:58
she i need to get her a tinfoil hat or

19:01
something like because she

19:02
literally everything's a conspiracy

19:04
theory everybody's trying to steal from

19:06
her

19:06
everybody's got it out for her everybody

19:09
you know is

19:10
is trying to take and i'm like mom no

19:13
it was first of all she i think she's 82

19:16
so she's an octogenarian so she's made

19:18
it through life i said mom

19:19
who stole money from you in your 80

19:21
years

19:22
well nobody but you know this could be

19:24
different no this isn't different i'm

19:25
talking to you as well so listen up

19:28
transamerica is going to do a good job

19:29
transamerica is going to finally get

19:31
caught up with everything and they'll

19:32
and everything will be fine

19:33
so what i'm urging you to do is don't

19:36
make any rash decisions

19:38
about this um and by the way if you

19:40
heard that in the background that's not

19:42
the annuity gods yelling at me that's a

19:44
huge

19:44
thunderstorm as i'm taping this how

19:46
about that it could be the annuity gods

19:48
if you think about

19:49
standing into anybody we have approved

19:51
of this podcast because you're helping

19:53
the public

19:54
and you are america's annuity agent i

19:56
think i heard that or was that just

19:57
thunder

19:58
anyway um connect with me if you have a

20:01
situation

20:02
you want me to take a look at what you

20:03
have email pdf an email

20:06
um your your recent statement i'll take

20:08
a look at it stan at the annuityman.com

20:11
i will not keep the information i will

20:13
not share the information

20:15
we're very confidential but you need

20:17
someone to turn to you need someone who

20:19
understands this stuff

20:20
and i certainly do so

20:24
this is a little bit shorter of a

20:25
podcast than most but i wanted to

20:27
address this

20:28
i wanted to address this situation with

20:30
vanguard and transamerica two fine

20:32
companies

20:33
two very good companies two old

20:37
old school companies in the united

20:39
states that we could be proud of

20:40
but one of them has it's just it's just

20:43
been a

20:44
if you saw that movie the perfect storm

20:46
where they're doing the fishing boats

20:47
and they and

20:48
you know storms were coming from three

20:50
different angles and and the guy looks

20:52
the newscaster looks at the screen goes

20:54
oh my gosh

20:55
it's a perfect storm i've never seen

20:57
anything like that

20:59
that's what's happening with

20:59
transamerica right now honestly

21:02
i feel for them and the next time i see

21:04
those guys

21:05
if we can hug people at that point i'm

21:07
hugging everybody i'm just

21:08
oh come on man give me a hug because i

21:11
cannot imagine

21:12
the venom that they're getting right now

21:15
and if you're giving them that venom i

21:16
need you to chill out i need you to reel

21:18
that back in a little bit

21:20
because your money's safe it's going to

21:22
be okay and let

21:23
us help at the annuityman.com if you

21:26
need help

21:26
so with that being said i want you to go

21:29
to my site at theannuityman.com

21:31
and schedule a call with me at the on

21:33
the home page top left hand corner

21:35
you'll see book a call hit that you'll

21:37
see my schedule and i'll call you on the

21:39
dot

21:40
because i'm ocd like that and we'll talk

21:42
for 30 minutes and

21:43
not some sales call we're going to talk

21:45
about your situation

21:47
and come up with with a plan or or not a

21:49
plan but we're

21:50
you're going to get the brutal truth if

21:51
you haven't caught it yet i'm the

21:53
walking middle finger of annuity truth

21:54
i'm never going to be your friend

21:56
as an agent but i'm going to be the best

21:59
agent or advisor you have

22:00
ever had because it will be so brutally

22:03
factual

22:04
it will be refreshing to you also

22:06
encourage you to to sign up get my books

22:08
i'll send them to you for free under no

22:09
obligation

22:10
and also at the annuityman.com which is

22:12
really really unique

22:14
we have uh you can you can run quotes 24

22:17
7 365

22:18
at your leisure and no one's going to

22:21
call you you can do it you can shop

22:23
around which is great

22:24
so with that these are weekly podcasts

22:27
it's fun with annuities

22:28
and and i forgot on a recent podcast to

22:31
give our saying

22:32
it's uh it's living the reality not the

22:34
dream and what does that mean

22:36
we're living the contractual realities

22:38
not some sales pitch dream

22:40
and fun with annuities means that

22:42
contractual realities

22:43
are fun because they're guarantees and

22:45
with that i'll see you next time my name

22:47
is stan

22:48
the annuity man and you've been

22:49
listening to fun

22:51
with annuities

22:57
thanks for listening to fun with

22:58
annuities please hit the subscribe

23:00
button and make sure to go to my site

23:03
at the annuityman.com where you can run

23:05
your own spea

23:06
dia and culat quotes and see a live feed

23:09
of the best

23:10
mica fix rates in the country and even

23:13
get

23:13
indexed and income rider quotes as well

23:16
you can also

23:17
sign up for my six annuity owner's

23:19
manual books and i'll ship them for free

23:21
and under no

23:22
obligation i also encourage you to

23:24
schedule a one-on-one call with me

23:27
stan the annuity man so we can have a

23:29
full discussion

23:30
of your specific situation it will be

23:33
the best

23:33
brutally factual and truthful advice you

23:36
will ever get and that's one guarantee

23:39
you should definitely take advantage of

23:41
so join me next time for the number one

23:43
annuity podcast on the planet fun

23:46
with annuities

23:50
[Music]

24:01
you