Are Annuities Affected by the Stock Market?

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Is an annuity affected by the stock

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market? Some are, some aren't. We're

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going to get into that. Hey, I'm Stan

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the annuity man, America's annuity agent

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licensed in all 50 states. This is a big

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question because people get confused

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about annuities in the stock market. I'm

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going to go into the details of that.

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Dig in as only Stan the Annuity Man can,

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but only after the

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[Music]

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music. All right. stock market and the

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annuities. Big topic. We're going to go

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through every single type of annuities.

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Single premium immediate annuities,

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deferred income annuities, QAX,

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multi-year guarantee annuities, index

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annuities, variable annuities, all of

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them. And I'm going to tell you how the

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stock market either does or does not

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affect them. So, the two primary types

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of annuities that are affected by the

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stock market are variable annuities and

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fixed index annuities. So, let's talk

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about variable annuities first. That's

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the purest form of a stock market type

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product in the annuity world. I don't

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sell them. Just as a disclaimer, I don't

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sell anything that could has the

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possibility of going down. That doesn't

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mean variable annuities are bad. But

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variable annuities have what's called

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separate accounts inside the policy. Me

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and you call them mutual funds. And

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those can be changed by you and that

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they have the potential to grow. And

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obviously those mutual funds can be

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attached to the stock market. The other

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product type that we need to talk about

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a little bit more in detail is the fixed

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index annuity. That is not a security.

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Variable annuity is a security. Fixed

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index annuities are a life insurance

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product that are issued at the state

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level and they are CD products. They are

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really not market products. Even though

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they are sold and pitched and

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highressured as stock market products,

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they are not. They're fixed annuities.

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Your principal is fully protected, but

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the gains are attached to index call

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options, not including dividends, by the

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way, that can lock in. But understand

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this, fixed index annuities, CD returns,

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variable annuities can have market

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returns, I guess, if you choose the

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right mutual funds. Hey, when it comes

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to annuities and interest rates,

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understand that the bogey, what you need

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to kind of watch is the United States

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10ear Treasury note with annuities.

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That's the interest rate uh figure that

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the companies look at and that you

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should look at as well. So, there are

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many types of annuities that the stock

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market has zero effect on the

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contractual guarantees. single premium

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immediate annuities, deferred income

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annuities, qualified longevity annuity

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contracts. All three of those are

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lifetime income products. The stock

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market has zero to do with that. Now,

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multi-year guarantee annuities, which is

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the annuity industry version of a CD,

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zero to do with stock market volatility.

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So, understand that there's only a

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couple variable annuities and index

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annuities that are somewhat affected by

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stock market volatility and returns. But

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single premium immediate annuities,

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qualified longevity annuity contracts,

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deferred income annuities, and

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multi-year guarantee annuities have

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nothing to do with the stock market. All

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right, so Chester calls me the other

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day, and as you know, if you watch any

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of my videos, Chester is the fictitious

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person that calls, but the stories I

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tell are true. This is what people do

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when they call me. And Chester goes,

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"Stan the new man, I just don't want an

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annuity that's affected by the stock

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market ever. I hate the stock market.

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It's volatile. Can you do that?" The

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answer is yes, Chester, I can do that.

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There are types of annuities that are

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not, you know, affected by the stock

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market and those are the lifetime income

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products like single premium immediate

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annuities, deferred income annuities,

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qualified longevity annuity contracts

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and multi-year guarantee annuities. So,

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if that's what you want, Chester, that's

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what we can give you. And we can shop

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all carriers for the highest contractual

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guarantee. When it comes to annuities in

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the stock market, remember this. If you

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are trying to buy an annuity for stock

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market growth, do not do that. You don't

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need an annuity. If you're looking for

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stock market growth, buy the mutual

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funds and the and the ETFs and all that

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stuff. Annuities are transfer risk

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products. In my opinion, Stan the

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Annuity Man, the top agent out here,

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America's annuity agent. Annuities are

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not for market growth. Hey, remember if

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you like this video and you want to

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leave a comment, I will answer it. I

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read it. I'm going to go in there and

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answer your question. So, leave a

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comment. So, I'm Stan the Annuity Man.

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I'm America's annuity agent. I'm the top

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guy out here, you know, but I do

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understand markets. I used to work for

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the major firms. I I get it. I

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understand that everybody wants to have

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those seven and eight 9% returns. The

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bottom line with annuities, in my

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opinion, is that you should never ever

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ever

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ever buy an annuity for stock market

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returns. Don't buy the dream. Don't buy

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the unicorns chasing the butterflies. If

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it sounds too good to be true, it is

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every single time. Buy annuities for the

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contractual guarantees only. Don't buy

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the dream. Hey, thanks for watching the

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video. This has kind of been a wild one.

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Annuities in the stock market. You're

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going to hear all kinds of sales

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pitches. Just remember, if you want

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stock market growth, do not buy an

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annuity. I do encourage you to go to my

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site,

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theanuityman.com, and I'll ship you my

4:58
six books on annuity types for free and

5:00
under no obligation. You can run your

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own quotes with nobody bothering you.

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Run them 24/7. And you can schedule a

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call with me, Stan the Annuity Man,

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America's annuity agent. We'll have a 30

5:09
minute one-on-one conversation and I'll

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answer all the questions that you have.

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Once again, thanks for joining me. Hit

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the subscribe button on the way out and

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I'll see you on the next Stan the

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Annuity Man video.