Are Annuity Rates Going Up?

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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 in Puerto Rico, founder of

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Contractual Guarantees Only, CGO, which

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means that you only buy annuities for

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what they will do, not what they might

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do. Question of the day, big question.

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Stan, fill us in, player.

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Are annuity rates going up? Are they

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going up, Stan?

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I know the answer and I'm going to tell

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you after this.

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So,

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are annuity rates going up? Loaded

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question. Promise me never to ask anyone

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but me that because you if you ask

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Johnny Apple Seed, well, yeah, you this

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is this is a product this product here's

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a good one to it. It's got a 20% bonus.

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Shut up.

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First of all, rates with annuities come

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down to two types. Payout rates for

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lifetime income and then guaranteed

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rates for say it like a MA multi-year

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guarantee annuity. The annuity annuity

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industry version of a CD. So, first of

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all, you have to talk about what rates

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are you talking about? Let's talk about

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the lifetime income side because I have

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two questions I ask people all the time.

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It's only two. What do you want the

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money to contractually do? when you want

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those contractual guarantees to start.

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And the acronym to find out even if you

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need an annuity is PIL. P stands for

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principal protection. I stands for

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income for life. L stands for legacy.

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The other L stands for long-term care.

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There's no G for growth. There's no M

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for market. There's no S for stocks.

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There's no E for ETFs.

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Never buy an annuity for growth. Never

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buy an annuity for growth. Never buy an

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annuity for growth because because

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growth, real growth, does not have

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surrender charges.

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That's going to fry the cookies of the

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annuity industry because everything over

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here on the hypothetical theoretical

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back tested unicorn's chasing the

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butterfly return scenarios are all with

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surrender charges. Well, Stan, you can't

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say that. Yes, I can. So, our annuity

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rates going up. Let's talk about payout

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rates. The lifetime income covers four

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products. Single premium immediate

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annuities, deferred income annuities,

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qualified longevity annuity contracts,

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and income writers. All of those provide

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a lifetime income stream for as long as

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you are breathing. There's no ROI until

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you die. If you're on a respirator, it's

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going to pay. If you're on a coma

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breathing through a respirator, it's

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going to pay. If you're s if you're

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taking naps in an iron lung,

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read the other day, the last person in

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an iron lung died. How do you go to the

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bathroom in an iron lung?

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I don't want to know that. Okay. All

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right. But the point is it's a transfer

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risk for life expect based on your life

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expectancy.

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Are rates going up? Meaning are payout

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rates going up for life expectancy

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lifetime income products? No. No,

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they're not.

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How do you know, Stan? How do you know?

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How are you so sassy and know it all?

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How's that?

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Two words, two letters actually. AI

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that's that I mean for us and my huge

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staff in Las Vegas that's actual

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individuals but for the rest of everyone

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it's artificial intelligence.

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AI is going to shorten

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this is shorten shorten

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the medical breakthroughs. So we're

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going to have some medical breakthroughs

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which means we're going to be projected

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to live longer. When we're projected to

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live longer with the annuity world, that

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means there will be more payments and

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that means payments will will be lower

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and that means payout rates will be

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lower. So stand the annuity man, Mr.

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Knowit all, Mr. Number one, Mr.

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America's annuity agent,

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you're right about all that.

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How do you know that? How do you know

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that's going to happen? I don't know. I

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think I've been watching um and reading

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about AI and it's been making some leaps

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and bounds

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gains as they say good and bad good and

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bad. I think the good is on the medical

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side but the annuity industry is waiting

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salivating waiting to be able to prove

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that life expectancy tables will be

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longer which means the payments will be

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longer which means the payments will be

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lower which means the payout rates will

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be lower.

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So remember two types of rates. Payout

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rates. We just talked about that. Those

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are going to be lower. Now you're going

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to say, and I know you're yelling, you

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just threw your Butterfinger bar. I love

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Butterfinger. Butterfinger and Heath.

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But I can't do that anymore because I

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got the sugars as they say in and you

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know the sugars is diabetes in uh in the

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South. You got the sugars? Yeah. You got

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the sugars.

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[sighs] The question you're asking after

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you just took the big bite of the Heath

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bar or peach cobbler. If I was on death

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row, I'd eat peach cobbler.

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But the question you're asking me is,

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Stan, when's that gonna happen, son?

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Hey, tell me. Damn it. Tell me. Do like

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Joe Rod and start whispering. I don't

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know.

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If I knew when that was going to happen,

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I'd be trading futures of some type on a

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Larj.

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I'm going to say in the next five years.

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And I can say that with confidence.

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People are getting skinnier.

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Stab, get skinny. Stab, get skinny.

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Stab, get skinny. Now you can just take

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a pill, right?

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I mean, people are getting healthier.

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So, it's going to happen with the next,

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I'd say, three to five years, you're

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going to see payout rates go lower

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because life expectancy is going to

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increase. Now on the other side which

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are like MIGA rates which are you know

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the the interest rates you get on a MA

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when you lock in 1 2 3 4 5 6 7 8 9 10

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year durations whatever you choose and

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go to my site theanuityman.com and you

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can see the live MA feeds for your

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specific state. But with that um rates I

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think I if I'm guessing I think they're

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going to go lower at the time of this

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taping. But understand that rates,

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interest rates like um the Fed, the

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10-year Treasury only play about a 20 to

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25% pricing role within a MA because

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life insurance companies have many

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many profitable areas where they can

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pull from to price that MA and make sure

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they can guarantee it. But I think I

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think both of them will probably go

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lower. Why do you say that? I understand

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what you said over here, son, on the

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life expectancy, son. I get that. I get

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the fact on that one, son, but why are

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you saying it on this one?

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I don't know.

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Walking through New York recently and I

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looked to my right and the debt clock

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was at 41 trillion.

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We're spending a trillion dollars a year

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at the time of this taping on on just

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the in on the on the interest of the

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debt, just servicing it. that as they

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say in the south that dog won't hunt and

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it won't hunt for long.

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So I do think that the MIGA rates

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will come down as well because I've seen

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them. I've been doing this for decades

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and I've seen them fluctuate and at the

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time of this taping they're actually

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pretty fair.

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I would encourage you not to time

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anything because you can't and I can't

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and if I can't then that means you can't

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because I'm standing the annuity man.

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I'm America's annuity agent.

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So don't try to time it. Did I just

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touch the microphone?

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Huh? I hope that hopefully that sounded

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like you know I'm eating a bag of Lays

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potato chips. That'd be awesome.

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[laughter]

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Now it does.

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[laughter]

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But you know, I do think both of them

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will be lower. I mean, that's the

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prediction. I mean, that was the

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question. That's a prediction. But I've

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got facts to back up both sides of that.

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When it's going to happen, nobody knows.

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Player.

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So, if the guarantees look good, lock

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them in. Go to my site,

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theanuityman.com. You can download books

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for free. Six owners manager. You can

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schedule a call with me. No cost, no

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obligation, no pressure, just facts. Can

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you handle that?

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Just me listening two to one

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using my ears in proportion.

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Run quotes without putting any of your

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personal information in. Yes, I said

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that. Yes, it's new. Yes, we're ground

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breaking. Yes, I'm changing the

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industry. Yes, this thing is going to

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flip upside down because you you're

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you're not going to be chased, emailed,

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all kinds of you can just run quotes and

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if you want to engage with us and use

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us, you should then you can one last

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thing spinning above my head as a clock.

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I did a great video on I think it's

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great on attention annuity haters. You

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already own an annuity because I'm tired

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of people saying I'd never buy an

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annuity. I had a financial journalist

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call me the other day for an interview

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and and she was kind and seemed smart

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and she goes, "You know, I still would

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never buy an annuity." And I just went

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bad [ __ ] crazy on her with facts because

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that's stupid. You already own social

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security. You're telling me if your

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company said, "You know what, Gertrude,

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um, you're going to get a pension." What

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are you going to say? Well, that's an

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annuity. Can't do it. I've got my

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principles.

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What are you, idiot? I'm not sure I got

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quoted real well on that article, but

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you know what? I don't care.

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The facts are the facts. That was fun. I

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didn't even lose my voice, but I tried.

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My name is Stan the Annuity Man.

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Yeah. See you next time.