Annuity Education Without Sales Pitches

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Hi there, Stan the Annuity Man,

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America's annuity agent, licensed in all

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50 states. Today's topic is a is just

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set up for me. I'm not I think I might

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have written it. I don't think so. My

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consultants and handlers give me these

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things to do because they say, "I think

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this is a good one." It's annuity

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education without sales pitches.

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Literally, that's my business model. I

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mean, in addition to just telling the

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truth, it's all about education. That's

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the reason we do a video every single

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day, um, seven days a week. I want to

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educate you and edutain you at the same

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time so that you can make a good

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decision, not fall for some bad sales

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pitch. We're going to go over a lot of

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that after this.

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So, annuity education without sales

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pitches. Stan, [clears throat] I've been

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all over the internet. I finally found

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you. you're just this goofy looking dude

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and you speak southern, fluent southern.

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It seems like you're into the education

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side. I really really am. And when I I

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was at um Dean Witter, Payne Weber, UBS

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and Morgan Stanley. And when I decided

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to come to the fixed annuity side, the

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dark side of annuities because I saw the

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demographic title wave of 15,000 people

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turning 65 every single day. I'm like,

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okay, probably need to be there. Left a

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couple decades ago and the the the firms

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are like, where what are you doing? But

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I've been right because there there

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needs to be a voice out here that's pure

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education and that that would be us.

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That would be me. Now, I do have the

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biggest staff in in the direct to

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consumer uh world. We're we're based in

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Las Vegas, Nevada. Everyone's under one

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roof. We have no one working virtually.

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We're open 12 hours a day, Monday

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through Friday, and eight hours a day on

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Saturday to get to your schedule. Um

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because, you know, we need to pick up

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both coasts. So, if you're West Coast,

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it's 5:30 to 5:30. If it's East Coast,

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it's 8:30 to 8:30. So, we are we are

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focused on that. But the educational

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side, I've been leaning into that

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without it really being a goal because I

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don't like being sold. I I need to know

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what I'm going to buy. Then I can make

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my decision on my terms and my time

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frame. That's my business model. And

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then at the end is my grandfather Hunter

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Garrison, what he said, if you tell the

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truth, you don't have to remember

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anything. So, in combination with all of

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that, um that's how it started. So a

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long time ago, I used to speak in front

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of what's called money shows. They were

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regional and national things and I' I'd

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speak in front of a lot of people. I

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decided to write a book in 2014 called

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the annuity standto. Um published that

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in 2014. That was even before QACs were

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introduced in 2014. And then from there,

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I started writing owners manuals. I've

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written owners manuals that you can get

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for free at my site at theanuityman.com

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on on single premium immediate

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annuities, deferred income annuities,

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qualified longevity annuity contracts,

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index annuities, migas, and income

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writers. Those six owners manuals, you

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can download them for free.

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So, and then in 2019, I met this quirky

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little dude from Utah at a conference

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and um and he was uh he was he was the

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YouTube guy and I said, "Hey, I got a

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weird one. how about annuities and

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YouTube? He's like, you met him. He's

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funny, but he he's he said, "Well,

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maybe." And so, we started that in 2019.

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And um between this and my and my um all

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my other videos and my Fun with

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Annuities podcast that we do, I'm over

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2,000. So, I've done over 2,000 videos.

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So, run that number. That's that's uh

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you know, almost doing one a day for six

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years. And we you we do a lot of

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education on that. On my phone with

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Annuities podcast, I have guests within

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the industry. I do something called

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shooting it straight with Stan. On the

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weekends, um you know, that's just me

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kind of ranting about things that you

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need to listen to. And then we drop

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these types of videos one day every

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single day. Um so from an education

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standpoint, I am the education. Um there

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are many uh carriers out there that use

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my videos to train their new employees,

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which is kind of cool. Why? because

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they're not agenda driven. They're not

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product driven. They're they're driven

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based on the facts and based on

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education. Annuities are commodity

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products. There's not one that's better

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than the other. I've come up with some

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easy to understand things that help

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people even make a decision if they need

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an annuity and if so, which one is the

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right one. First thing I do is I have an

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acron acronym called pill that describes

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what annuities contractually solve for.

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P stands for principal protection. I

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stands for income for life. L stands for

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legacy. The other L stands for long-term

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care. If you don't need to solve for one

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of one of those or one or more of those,

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contractually, you don't need an

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annuity. Never buy an annuity for

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growth. I am the only person saying that

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out here because I am right. All

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commissions are built into annuities,

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but I could care less. Money money

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became became a non-issue to me about 15

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years ago. I do this because I want the

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industry to be better. I want the sales

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pitches that are bad to go away. In

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fact, I'd like the sales pitches to go

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away. The other two things that we do,

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there's two questions we ask. What do

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you want the money to contractually do

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and when do you want those contractual

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guarantees to start? Those are the two

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questions that determine if you need an

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annuity and if so, which type's going to

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provide the highest contractual

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guarantee. In addition to being licensed

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in all 50 states in Puerto Rico, in

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addition to being open 68 hours a week,

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we represent all carriers because we

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shop all carriers for the highest

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contractual guarantee for your specific

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situation. the education I'm going to

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provide to you out here ongoing if you

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subscribe to my I never go subscribe to

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my site hit subscribe button. But if you

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want to get educated, hit the subscribe

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button. Um if you want to go down the

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rabbit hole of a specific product within

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my YouTube channel, Stan the Annuity

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Man, hit the search, you know, in the

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search, just type in the product you're

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looking to go down the rabbit hole on.

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I've done hundreds of videos on those. I

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continue to do videos on topics that

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people are interested in that um are

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searching for. I'm trying to answer that

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question because if you've look for

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something specific, I want to have a

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video on that so you don't have to

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search. Oh, heck, Stan did one just on

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that question. He's crazy. How do you do

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that? How do you know I was asking that?

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That's what I do. That's the reason we

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do one a day.

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Annuities are all about education.

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Annuities are contracts. There's never

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an urgency to buy an annuity. The

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urgency is for you to understand what

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you're buying, however long that takes.

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If someone comes, you go, "Well, you got

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to sign the paperwork. You know, this

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upfront bonus is going to go away and

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blah blah blah." They're full of crap,

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okay? They they have no money. They're

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sociopaths. They're That's not the way

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to do it. Annuities are contracts. You

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take your time, shop all carriers, learn

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about it. If you said, "Stan, you know

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what? As part of my education process, I

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had a guy last night, hey, I'm really

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close. I probably should buy it right

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now, but can you send me the specimen

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policy so I can read that?" You're darn

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right I can. Sure, why not? Hey, Stan,

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can you send me just a, you know, what

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the application looks like? Sure, no

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problem. Even though my team's going to

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take care of that for you from start to

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finish and do all that for you. Whatever

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you need to make a good decision, we're

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going to provide it. And maybe you need

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to speak with me. Maybe you need to book

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a call and say, "Hey, Stan, I need you

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for 30 minutes. I'm just going to ask

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you a bunch of questions." Okay, that's

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fine. Great. We sold billions and

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billions of dollars worth of annuities.

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We I don't want to say we're the

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McDonald's manu because we don't have

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those kind of fries. I love fries. But

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the point is, you know, we are the grill

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out here. We've done I've done it a long

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time. I got a great staff. They're all

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on commission. They're not on I mean,

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excuse me, they're all licensed, not on

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commission. Let me rephrase that.

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They're not on commission. That's what

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sets us apart. They're they're they're

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licensed in all 50 states, but on

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salary. Nobody does it like that. I'm

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glad actually I made that mistake

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because I get to drive it home. They

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aren't nails or hammers looking for

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nails. They're not incentivized by the

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commission. They don't even know. They

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don't have a salary and they get a bonus

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if you're happy.

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Also, too, the reason they're all all

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licensed in all 50 states, even the

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receptionist, is legally if you're going

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to talk to someone about annuities, I

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want you to remember this. They have to

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be licensed in your state. Even if it's

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the receptionist,

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we're following the rules. We're

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educating you. No one in my office is on

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commission. No one works remotely.

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Everyone's under one roof. We chose Las

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Vegas because a the food's good. Um but

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it's it's a great place to to service

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both sides of the coast.

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So annuity education without sales

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pitches, it exists. It exists with with

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us, the annuity man. So you're saying,

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"But wait a minute, Stan, you make your

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money when we buy the annuity." Yeah,

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you're right. I do. The company pays me

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a commission based out of their general

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account. It's a net transaction to you.

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But I'm not the car salesman running

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around saying, "You want to buy the car?

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Want to buy the car? Want to buy the

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car? Hm. You're going to be able to go

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to my site. You're going to be able to

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run quotes 24/7, 365 on your own. No

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one's going to call you. You're going to

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be able to download the six owners

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manuals for free. No one's going to call

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you. You're going to be able to to tap

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into a live event I do every single

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month. No one's going to call you. The

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only way we're going to call you, okay,

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is if you're a client and you have

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something that's coming due that needs

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taken care of or you schedule a call

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with me and then I'll call you right on

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the dot when you tell me to call. We're

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going to educate you first and then

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respect whatever decision you make. So,

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boy, good topic and this is what we do.

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I am the top annuity educator on the

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planet. Proud of it.

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The one of the vehicles I use is

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YouTube, but we're on all social media

9:28
platforms. I'm getting ready to write

9:30
write the annuity stand rewrite or write

9:33
the newest version of the annuity

9:34
standto. It's going to be called the

9:36
annuity standto 2. Working on it right

9:38
now. Check the time of this taping. One

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last thing, I did a video on uh how

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annuities can help your family. Again,

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part of the education. Probably never

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thought of it like that, but in that

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video, I talk about how I use annuities

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for my two daughters and my wife. um and

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how you can use annuities for your

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family as well. All right, my name is

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Stan the Annuity Man.