051 Questions to ask your advisor about annuities

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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 i'm

0:44
your host stan the annuity man america's

0:46
annuity agent licensed in all 50 states

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the top independent agent

0:49
in the country today's topic is a really

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good one

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hold on sit down put on your seat belt

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put on your air bask whatever you got to

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do because here we go

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it's the top questions to ask your

1:02
advisors about annuities

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if you have an advisor master of the

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universe wealth

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architect whatever you want to call them

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and you just

1:12
love this person or they're your

1:13
brother-in-law whoever and you you want

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to deal with them for whatever reason

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unknown to me that you don't want to

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deal with standing annuity man america's

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annuity agent i mean brutally factual

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walking middle finger of annuity truth

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if you don't want to work with me these

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are the questions you ask

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that person now welcome to everybody out

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there

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on podcast land this is glad that you

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could join us once again if you're

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driving or on that treadmill running

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running running um also too this uh this

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podcast is being taped

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and can be seen on the uh fun with

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annuities

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youtube channel and we're filming today

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in the wilderness might do studios on

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the annuity fund cam

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and recording on the annuity fun mic uh

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but i

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i welcome all of you and i do encourage

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you go to my site the annuityman.com

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for all things quotes books you can

2:02
schedule call with me and also have

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another

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youtube channel called stan the annuity

2:08
man and that has

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close to 400 at the time of this taping

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and and we still add them every month

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uh videos on annuities you know when you

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ask a question i'll just answer them

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it's typically a five to eight minute

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video

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so please go there but let's get to the

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topic today

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this is a good one man i'm telling you

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i'm looking forward to this

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so you go into let's just i and this by

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the way

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all of these podcasts a lot of them come

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from people calling me i mean i have

2:34
thousands of thousands of

2:35
thousands of clients in all 50 states i

2:37
want you to be one but some of the calls

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i get are

2:40
just gyms when they go in and talk to

2:43
their advisor

2:44
about annuities because they might have

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seen a video that i've done or read an

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article

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read my books and say well that kind of

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makes sense i might need some lifetime

2:51
income or principal protection

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and all they've heard is you know the

2:55
the mantra i hate all annuities which is

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crazy

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everybody listening to this podcast in

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the united states that has a social

3:02
security number is

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already an annuity owner stop the car

3:06
wreck the car pull the car

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over do it go to waffle house order some

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hash browns

3:10
do whatever you got to do to get through

3:11
it but you uh you

3:13
already own an annuity hello

3:16
it's called social security it's the

3:18
best inflation annuity on the planet

3:20
well that's not an annuity

3:23
what is social security it's a lifetime

3:25
income stream that you can never outlive

3:27
sounds familiar and it has an inflation

3:30
increase on it's the best inflation

3:31
annuity on the planet because

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our beloved politicians who love to

3:34
print money just give it away for votes

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they just increase stuff they just give

3:38
it away so that's the best inflation

3:40
nudity on the planet

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and it's based on your life expectancy

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at the time of the payment everything i

3:44
just described to you is an annuity

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it's life expectancy based it's the

3:49
older you are the higher the payment

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you know is it let me ask you a very

3:52
simple social security question

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it are the payments higher when you're

3:56
70 then compared to 65.

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well they're hard 70. of course why

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because uh because i'm projected to live

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less

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bingo good answer it's life

4:09
expectancy-based

4:10
all lifetime income streams of products

4:12
annuity products are life expectancy

4:14
based interest rates play a secondary

4:16
role interest rates players secondary

4:17
role

4:17
interest rates play your secondary roll

4:19
i say that because people always say i'm

4:21
going to work through interest rates

4:23
yeah good luck with that you're not

4:25
going to beat the init and the annuity

4:26
company

4:27
they know when we're gonna die they have

4:29
the big buildings for a reason okay

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but let's get to the questions so you

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walk into the wealth architect

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master of the universe stop broker uh

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all things great

4:38
bull market maven person and you bring

4:41
the word up annuity

4:42
they're probably going to vomit okay

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look

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here's the question there here's the

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first question do you hate all annuities

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and if they say yes

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then refer them back to my initial

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statement about social security

4:56
right social security is annuity so then

4:58
you say to them so you hate social

5:00
security

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all right and then the next one is oh so

5:03
you hate cds

5:05
because there's a multi-year guarantee

5:06
annuity which is the annuity industry

5:08
version of a cd

5:10
so at that point in time you know for a

5:12
fact that they don't know anything about

5:13
annuities you should never buy an

5:14
annuity from them and you should go to

5:16
the annuityman.com and schedule call

5:17
with me standing the annuity made

5:18
america's annuity agent

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so that's the first question the second

5:22
question you ask them to

5:24
this is the this is what you do when

5:26
you're just feeling them out to see if

5:27
they disqualify themselves

5:29
from the start okay the second question

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is

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do you think mr master of the universe

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that annuities

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should and could and can be used inside

5:39
of an ira

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and if they say we'll never ever ever

5:44
put in the

5:46
thought of none right then they've

5:48
disqualified themselves from further

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discussion about anything's

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anything annuity because they have no

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clue what they're talking about

5:55
they might be smart their white their

5:56
wife might be a nice person it makes a

5:58
really nice peach cobbler

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they might have gone to yale and half of

6:01
it in mit and stanford and girl

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and gotten all these great great uh

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degrees

6:06
and mbas but they have absolutely no

6:09
clue

6:09
when it comes to annuities and what you

6:11
really should say at that point in time

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is

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you know what i'm going to do you a

6:14
favor and i'm going to order you stand

6:16
the annuity men's

6:17
six annuity owner's manual so you will

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understand what you're talking about

6:21
and not make a buffoon out of yourself

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so if they say

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well never you put an annuity all right

6:29
then then remind them that the irs

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and the department of the treasury in

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2014 developed a product called the

6:36
qualified longevity annuity contract

6:39
that's specifically used in iras

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i mean if they say those things

6:47
i they they're not qualified to talk

6:48
about annuities you should never ever

6:50
talk to them again about a new just say

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listen

6:52
manage my other assets stand the annuity

6:54
man's gonna handle the annuities you

6:55
guys can talk and

6:56
and do whatever you got to do but i

6:58
can't deal with you

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on i mean that's that's crazy

7:03
okay if they say that so but if they

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pass those two sniff tests

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if they say well i really don't hate it

7:08
all annuities okay great they go

7:10
should annuities be used on well maybe

7:12
kind of okay they passed it

7:14
okay they passed it then then you start

7:17
getting it

7:17
then the next question is this how many

7:20
carriers specific carriers do you

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represent

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and offer and quote how many

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by the way if it's like five or six or

7:30
ten

7:32
they are not qualified to sell you an

7:34
annuity why

7:35
because annuities of all types by the

7:37
way there's many types

7:38
multi-year guarantee annuities single

7:40
premium immediate annuities

7:42
deferred income annuities qualified

7:43
longevity annuity contracts

7:45
fixed index annuities variable new

7:47
there's all kinds there i mean there's

7:49
all kinds

7:50
but if they're only quoting you know

7:53
five or ten

7:55
okay and if one of the big firms that

7:57
the name firm's not going to name them

7:59
that's what they do they they typically

8:00
have five or six firms they quote

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that's like going to a restaurant and

8:04
there's five things on the menu

8:05
that's like going to the grocery store

8:07
and there's five things on the aisle

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that's like going to a orbitz or

8:11
priceline and buying a play ticket

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there's only two carriers there's only

8:14
two planes

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i mean annuities are commodity products

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you quote all carriers for the highest

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contractual guarantee for your specific

8:21
situation

8:22
by answering the two questions what do

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you want the money to contractually do

8:25
and when you want those contractual

8:26
guarantees to start

8:27
with the understanding that annuity

8:29
quotes are like a gallon of milk and

8:30
they change every seven to ten days

8:32
so if you're going to shop and you

8:35
here's the other thing too you own an

8:36
annuity for what it will do not what it

8:38
might do

8:39
period so maybe a follow-up question to

8:42
that is

8:44
do you think mr mr advisor that

8:47
annuities

8:48
should be used for market growth for

8:50
stock market growth

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if they say yes to that in any form or

8:54
fashion

8:55
they are not qualified to handle your

8:57
annuity transactions

8:58
because annuities should never ever ever

9:00
ever ever ever

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ever ever be used for market growth

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period end of story especially indexed

9:08
annuities those are cd products

9:10
so if they talk about margaret o'fargo

9:11
no don't vote then they are disqualified

9:14
from ever talking about annuities with

9:15
you

9:16
variable annuities have their place you

9:18
know they were put on the planet 1955

9:19
for tax deferred growth

9:21
okay by tiaa a long time ago but they

9:24
still have limitations on your choices

9:25
the mutual funds separate accounts

9:27
whatever you want to call them there's

9:28
limitations on what those are

9:30
in my opinion having worked for you know

9:32
dean witter payne weber morgan stanley

9:33
and ubs

9:34
when it comes to market growth you don't

9:36
need limitations you need to rock and

9:37
roll and make as much money as human

9:39
possible

9:39
so if they answer the question well well

9:41
someone who isn't good for market growth

9:43
they have disqualified themselves period

9:46
so

9:46
yeah you ask how many carriers it better

9:49
be at least

9:50
20 to 30 minimum that they need

9:53
they need to represent minimum

9:57
okay if they say five this that's crazy

10:00
that's like saying

10:01
listen don't know if they say five you

10:03
look them in the face and go you know

10:04
what

10:05
um just just some advice never open a

10:07
restaurant

10:09
because you're gonna have five things on

10:10
the menu and you will not make it

10:12
okay um and a lot of times with your

10:14
advisors if they're working for a big

10:16
firm

10:17
the firms make these annuity companies

10:19
pay to get on the shelf it's kind of

10:20
like when you walk through the grocery

10:21
store

10:22
and some of the potato chips are eye

10:23
level and then some of the potato chips

10:25
you've never heard of or at your feet

10:27
like bill and jack's potato chips from

10:30
austin texas

10:31
they're at your feet and then lays

10:32
potato chips at your eye

10:34
right right at your eye level there's a

10:36
reason for that they paid for that so a

10:37
lot of these big farms big

10:39
wire house firms that i used to work for

10:41
so i know what i'm talking about

10:43
they had carries had to pay to get in

10:45
there's a shelf space

10:46
that they they have to get in there and

10:48
that means that they don't have

10:50
access to all carriers okay so that's

10:53
i mean if it's five to ten it's just

10:55
it's not enough

10:56
it's not enough for you to get the

10:57
highest contractual guarantee and

10:59
especially if someone's captive they

11:00
only represent one carrier

11:02
give me a break that's like having a a

11:04
store that only sells scotch tape

11:07
come on that's crazy uh you know you

11:10
scott's tape is nothing wrong with

11:11
scotch table of scotch tape but you

11:12
don't open a store just selling scotch

11:14
tape

11:14
you don't just sell one carrier i

11:16
understand the captive agents out there

11:18
that are yelling at the screen going

11:19
shut up shut up

11:21
it's a fact you know it's a fact nod

11:23
your head quietly in your car

11:24
as you drive down the road that that's

11:26
true so that

11:28
uh let's talk about some other questions

11:29
just some

11:31
how many pr here's a good one how many

11:33
product types do you offer

11:35
and if they answered the question to

11:37
that question which is

11:38
what do you mean by product types

11:40
they've disqualified themselves

11:42
they cannot think of annuity the word

11:46
annuity as

11:47
as a all-encompassing category it's not

11:50
it's like when people say then i had all

11:53
annuities i'm like which one

11:55
which one do you just hate them all and

11:57
i hate them all

11:58
name them name all of them name all the

12:00
types

12:01
chester name all the types of annuities

12:04
that you hate

12:04
well i just i just know i hate them i

12:07
just know

12:07
that they're all expensive and have high

12:10
fees which is garbage because the vast

12:12
majority have

12:13
no fees and they're not expensive and

12:15
the commissions are very very low

12:16
so you know if they say if they say that

12:19
like if they don't know the product

12:21
types

12:22
then say do you sell my gas do you sell

12:24
spears do you sell diaz do you sell q

12:26
locks

12:26
do you sell variable annuities do you

12:28
sell index which ones do you sell

12:30
and if they're struggling with that okay

12:32
i mean if you ask me that question i'm

12:34
saying listen i sell multi-year

12:35
guarantee annuities i still sing a

12:37
premium immediate annuities

12:38
i sell deferred income annuities i sell

12:40
qualified longevity annuity contracts i

12:42
sell index news with income riders

12:44
i don't look at the index annuity

12:45
accumulation value i only sell them with

12:47
attached income riders

12:48
and i don't sell variable annuities

12:49
because i don't sell anything that goes

12:51
down

12:53
period that's i mean that's my answer

12:55
they have to have a similar

12:57
very quick answer to what types they

13:00
sell and how they fit

13:02
they have to have a strategy for how

13:03
they look at them now for me

13:06
you know we're filming this in the in

13:07
the in recording this and the will do

13:09
not might do studio will do means

13:11
you own an annuity for what it will do

13:12
not what it might do you don't own it

13:14
or make a decision to buy one based on

13:16
the hypothetical theoretical back-tested

13:18
projected

13:19
hopeful unicorn chasing the butterfly

13:22
numbers

13:23
out there you never ever ever do that

13:26
you buy it for the contractual guarantee

13:27
because guess what

13:29
you're going to get a contract in the

13:30
mail it's called a policy but it's a

13:31
contract

13:32
and there's never urgency to buy a

13:33
contract the urgency is to understand

13:35
what's in the contract

13:37
so you need to unders they need to

13:39
understand that you understand

13:41
okay and you know do i get some hate

13:43
mail from these guys

13:44
yes i do and that's okay you know it's

13:47
okay because i understand that they

13:49
you know they are um you know i'm a

13:52
threat to them

13:53
the truth sometimes is a threat um the

13:55
other thing and the other thing you're

13:57
gonna find out when you go to your um

13:59
master of the universe architect wealth

14:02
architect whatever they want to call

14:03
themselves back in the day when i first

14:04
started

14:05
by the way we were called stock brokers

14:07
i don't think they do that anymore but

14:09
but uh you know it is what it is um

14:13
also ask them you know from the

14:15
standpoint of

14:16
um how the administrative part works how

14:19
the paperwork part works

14:21
how do do you know like with us when you

14:23
go come with us

14:24
um i have a team of people that are all

14:26
employees of mine that handle the

14:27
paperwork from start to finish that

14:29
handled administrator from start to

14:30
finish

14:31
we get in the weeds for you so you don't

14:34
have to we we get in the mud for you

14:35
because you don't have to

14:36
um you know ask them those specific

14:39
questions

14:40
about how the process works um

14:44
ask them if they sell if they if they

14:46
look at hypothetical or back-tested

14:47
numbers

14:48
you know ask them if if if they sell it

14:50
here's one

14:52
ask them this if they sell enough of it

14:55
and you can ask me your agent if you

14:56
have an a brother-in-law as an agent

14:58
they sell enough of it why are you

15:00
pushing this one product if you sell

15:01
enough of it

15:02
are you gonna go on a trip to bora bora

15:04
or italy or spain or

15:06
canada if you sold enough of it

15:09
what's that what's the soft money

15:11
arrangements if you sell enough of it

15:12
i mean ask them those things

15:16
i mean it's important those are the

15:18
things you ask

15:19
um another thing that i always tell

15:21
people with

15:23
annuities the only protection you have

15:25
and i don't blame the carriers because

15:27
the carriers put out the products okay

15:29
and

15:30
and but they can't monitor what the

15:33
agents are saying out there

15:34
they just can't they don't know what

15:35
they're saying they listen

15:37
here's the ugly secret and the evil

15:38
secret about the annuity industry

15:41
if the annuity carriers could get could

15:43
figure out how to get rid of the agents

15:46
and just sell it direct they would now

15:48
i'm as close to that model as anyone

15:51
i i'm consumer direct 100 consumer

15:54
direct never meet with anyone face to

15:56
face i don't care if you're my next door

15:57
neighbor i'd fedex you the paperwork

15:59
never meet with anyone face to face

16:01
consumer direct very technology driven

16:03
we're as close as you can get to it but

16:07
current law

16:08
states that um an agent license agent

16:11
has to be

16:12
in part of the process from a

16:13
suitability and appropriate

16:15
appropriateness standpoint once the

16:16
industry figures that out

16:18
then you'll be able to and and doesn't

16:20
care or figures out the liability and

16:22
the exposure

16:23
then they will sell it direct and agents

16:25
will be out of the business and if you

16:26
don't believe me

16:27
i've got uh i've got an example for you

16:30
travel agents

16:31
travel agents travel agents are no

16:33
longer there are some boutique travel

16:35
agencies fine

16:36
there's some corporate travel agencies

16:37
fine but there's no travel agencies

16:40
i mean it's kind of like there's no more

16:41
stock brokers right um

16:43
the other thing and this is a big one oh

16:45
my gosh this is a big one

16:47
when i was at morgan stanley and ubs

16:51
that was kind of the period that they

16:52
wanted all of the advisors to

16:54
do what's called a wrap fee they wanted

16:56
all the assets getting a percentage

16:59
in other words they say you we're not

17:00
going to charge a commission but we're

17:01
going to charge a fee an annual fee

17:04
um to manage your assets and it wasn't

17:06
for the good of the clients

17:08
period in my is my opinion it was so

17:10
that they can project

17:11
they the the brokerage firms wirehouse

17:13
firms could project future revenue

17:16
period and so they structured everything

17:18
so that everything's wrapped

17:20
one of the reasons that agents not

17:22
agents but advisors and people like that

17:24
don't like annuities is they can't wrap

17:26
them they can't charge an annual fee

17:30
on them like an immediate annuity or

17:31
qual qualified longevity annuity

17:33
contract deferred incoming new if they

17:34
do then it's criminal

17:36
i'll tell you a great story guy calls me

17:37
the other day and says

17:39
i've got an indexed annuity with my

17:42
wealth advisor guy

17:43
at xxx farm whatever and he's charging

17:46
me an annual fee to manage my index

17:48
annuity

17:49
this could be the dumbest

17:52
thing ever and the fact that this is

17:55
happening

17:56
blows my mind it literally i cannot

17:59
imagine

18:00
the justification and i've talked to

18:03
some big

18:04
big wigs at the firms and said please

18:06
please

18:07
for god's sakes explain to me

18:10
how you justify an annual rap fee

18:14
on an indexed annuity why is that crazy

18:16
because with an indexed annuity

18:18
you can only change the index option

18:21
allocation

18:22
one time per year

18:26
it's a fixed annuity you're not losing

18:28
money because it's fixed

18:29
and you have a call option strategy at

18:31
the time of this taping there's over 700

18:34
different call options strategies i

18:35
guess that's their justification but

18:37
that's garbage in french

18:39
because you're telling me you're this

18:41
guy was like

18:42
and i told this guy i said so they're

18:44
charging you an annual rap fee

18:46
on the total amount so that one day per

18:49
year

18:49
they can throw a dart at the index

18:51
option strategy and charge a fee the

18:52
other 364 days

18:55
they can't do jack crap he said yeah

18:58
that's exactly what they're doing

19:00
so he moved the money of course he moved

19:02
the money that's insane

19:03
and if you're and if you're a wealth

19:06
advisor

19:07
you know stockbroker series seven per

19:10
whatever you are

19:11
all right what if you're charging a rap

19:14
fee

19:15
on an indexed annuity give me a break

19:20
so i need you to look in your client's

19:21
eye and say you need to pay me

19:24
a rap fee for one day a year i

19:27
personally could never do that ever ever

19:29
ever

19:30
that's ridiculous and if you have an

19:32
index annuity that's that's being

19:33
charged an

19:34
annual rap fee so that person can make a

19:36
decision one day per year

19:38
stop it you're getting ripped off that's

19:41
my opinion i know the industry hates me

19:43
for it

19:43
but i'm not gonna sit here and say that

19:46
that's good it's not good

19:48
period and getting back to the original

19:50
premise because i digressed a little bit

19:51
and got a little bit emotional because

19:53
that one drives me crazy and it'll blow

19:55
the top of my head off

19:57
in a rap fee world in a fee based world

20:00
in a in a

20:01
asset under management world where

20:02
they're trying to charge a percentage

20:04
for the assets under management

20:06
those people with people that know know

20:09
that annuities should not

20:11
i mean people that i guess have more i'm

20:13
not going to say that but that know

20:14
better

20:15
know that they can't wrap us be a dia q

20:17
lac they just can't do it

20:19
which is why they kind of don't want to

20:21
go there

20:23
my opinion only my opinion in my opinion

20:26
the the reason vanguard got out of the

20:29
annuity business is they're not in the

20:31
annuity

20:32
when someone bought an immediate annuity

20:34
from vanguard

20:35
that money was gone they couldn't charge

20:38
a fee on it they couldn't wrap a fee on

20:40
it

20:40
they couldn't even though vanguard's

20:41
very very cost effective and very very

20:43
pro customer

20:44
and disclaimer i have a vanguard account

20:46
i love them

20:48
but i think the reason they got out of

20:50
the annuity business is they could not

20:52
wrap that fee that's one of the reasons

20:55
i'm sure

20:56
they couldn't put a rat fee around it

20:58
and that's the reason a lot of the big

20:59
firms

21:00
in the management by the way been there

21:02
done that

21:04
they discourage you as a as an advisor

21:06
at these big firms to sell annuities

21:08
because the fees aren't as good now they

21:11
might want you to sell indexed annuities

21:13
and variable annuities because the

21:14
commissions are high

21:15
but when it comes to immediate annuities

21:17
and multi-year guarantee annuities

21:19
and and um deferred income annuities and

21:21
qualified longevity annuity contracts

21:24
they're not real excited um for

21:27
for their advisors to sell that now the

21:30
final thing

21:31
that you should you could ask your

21:32
advisor and i know i've gone through a

21:34
lot and i've got

21:34
i've gotten a little hot and heated and

21:37
all that stuff

21:38
but you know i've been on the i've been

21:40
where these people are i've been there

21:42
i've been at the big firms i've been at

21:44
that table i

21:44
understand their limitations i

21:46
understand the management pressure i

21:48
understand the rat fee pressure

21:50
i understand it okay so i know of what i

21:53
speak because i had been there i've been

21:55
there

21:56
at a very high level but the last

21:58
question you ask is this

22:00
if i decide to buy an annuity from you

22:02
mr wealth advisor manager

22:04
man uh wealth manager master of the

22:07
universe if i decide to buy one from you

22:10
ken do you mind if i write down whatever

22:12
the sales pitch you give me whatever you

22:14
tell me the product's going to do

22:16
the way that i understand it and i'm

22:18
going to sign in data would you mind

22:20
you signing in data and you owning that

22:22
sales pitch

22:26
this is one i came up with a long time

22:28
ago it's called the annuity client

22:30
statement of understanding

22:32
meaning that it's what the annuity

22:34
client understands that's been pitched

22:37
and a lot of times that pitch gets

22:40
flushed out the truth gets flushed out a

22:42
little bit because when you flip that

22:43
paper around

22:44
and you've gone detail on what they said

22:45
this is what i think you're doing you

22:46
said this you said this about the for a

22:48
bonus

22:48
you said this brother and then they sign

22:50
it that two things are going to happen

22:52
either that pen weighs a thousand pounds

22:54
okay and it might or they they flush out

22:58
and tell you the

22:59
the actual details and the truth of

23:01
which they should have done in the first

23:02
place

23:04
so should everyone have an account with

23:07
sandy newton america's annuity agent and

23:09
go to the annuityman.com absolutely is

23:11
that going to happen

23:12
not soon but and not with everybody

23:16
because people have good relationships

23:17
with their advisor long-term advisors

23:19
friends family members that are in the

23:21
business etc

23:22
but when it comes to annuities do not do

23:26
not allow them to just say hey yeah

23:28
trust me on this one's the good ones are

23:29
right

23:31
there aren't you should never you should

23:33
never have a i mean

23:34
advisors should not be your friend i'm

23:36
never going to be your friend you

23:37
haven't caught that i'm the walking

23:39
middle finger of annuity truth i am

23:40
brutally factual

23:42
but i'll be the best advisor you'll ever

23:43
have because you know

23:45
i'm going to shoot it straight i'm not

23:46
going to ask about your kids or your dog

23:48
and where you've been stolen and

23:49
football game and all that stuff

23:51
we're going to get down to business and

23:52
i'm going to tell you the facts about

23:54
annuities

23:55
so don't let someone who is a trusted

23:58
friend

23:58
golf buddy drinking buddy just say yeah

24:01
just yeah let's just do this one

24:02
yeah i've kind of looked at it this is

24:04
the best one don't do that

24:06
hold their feet to the fire this is your

24:08
money

24:09
this is serious and with annuities

24:12
in a lot of cases once you sign that

24:14
paperwork and once that policy has been

24:16
issued once it's passed that free look

24:18
you own it so you better know what the

24:20
heck you own and just don't trust

24:22
or take someone's word for it

24:25
makes sense it's common sense if you

24:27
think about it so

24:29
i appreciate you joining me on the

24:30
number one annuity podcast on the planet

24:32
fun with annuities

24:33
i'm your host stan the annuity man

24:36
and i'll see you next week

24:42
thanks for listening to fun with

24:44
annuities please hit the subscribe

24:46
button and make sure to go to my site at

24:48
the annuityman.com

24:50
where you can run your own spea dia and

24:52
culat quotes

24:54
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24:56
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in the country and even get indexed and

24:59
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25:01
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25:04
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25:06
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25:06
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25:09
you to schedule a one-on-one call with

25:12
me

25:12
stan the annuity man so we can have a

25:14
full discussion

25:15
of your specific situation it will be

25:18
the best

25:19
brutally factual and truthful advice you

25:22
will ever get and that's one guarantee

25:24
you should definitely take advantage of

25:26
so join me next time for the number one

25:28
annuity podcast on

25:30
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25:46
you