Attention Annuity Haters: You Already Own An Annuity

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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. The founder of

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CGO, which means contractual guarantees

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only, which means that you own an

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annuity for what it will do, not not

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what it might do. You don't buy

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potential hypotheticals. Today's topic

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is a good one. Attention annuity haters,

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you already own an annuity. I know

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you're saying, "No, there's no way,

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Stan. There's no way I would ever do

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that." I mean, my gosh, I would never

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own an annuity.

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You might own more than one. We're going

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to go over that after this.

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So, you probably know the answer that

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I'm getting ready to tell you if you've

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watched any of my videos. The annuity

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that you already own is called Social

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Security. It's a lifetime income

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payment. It's the best inflation annuity

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on the planet. the increases for the uh

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the cost of living adjustments are

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political, not actuarial. And by the

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way, I am contractual.

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But the point is, you already own one.

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So stop with any of the I hate

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annuities. You might hate the way

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they're sold. You might hate some of the

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bad chicken dinner seminars you go to

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locally. You might hate some of the

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local radio nonsense and TV infomercial

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crap.

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But but annuities are good. Annuitities

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if placed properly in your portfolio and

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allocated properly work. How do they

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work? Good question. They solve for four

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things. The acronym is pill. P stands

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for 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. P

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I L. Do not buy an annuity for market

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growth. You'll be so disappointed. You

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might unless you're like one out of the

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thousand that it works, but it doesn't

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work overall. Well, I just did a um a

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video on uh and actually a newsletter as

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well that real market growth do not does

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not have surrender charges. So any type

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of growth type potential annuity and I'm

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talking primarily talking about index

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annuities, variable annuities,

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registered index linked annuities,

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buffer annuities, whatever they call

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them. Those are non-g guaranteed returns

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and they all have surrender charges.

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Okay, I guess the some people will say,

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"Well, how about the ones that that are

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no load, like variable annuities?" Well,

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good luck finding them. And anyone that

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says, "Hey, this guy's just charging me

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a fee." There shouldn't be a fee charged

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for any type of annuities. So, you

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already own one annuity, that's social

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security. If you work for a company or

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you work for the government or military

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or you're a teacher, what etc., you

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might have a pension. you you might have

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a pension waiting for you which is a

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series of payments for the rest of your

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life which is an annuity. Okay. In the

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private sector those were called defined

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benefit plans. Those have been replaced

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with defined contribution plans. In

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English defined contribution plans means

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401ks. Those type of retirement plans

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where they're just accumulation

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vehicles. In fact, in this country at

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the time of this taping, only nine, not

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90, 9%

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of private companies offer pensions.

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And I think that number is dwindling

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every single year. So annuity haters,

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you already own an annuity. Now, the

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interesting part is the fact that the

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annuity industry somehow has blown the

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biggest marketing coup of all time.

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Annuitities as a category has a monopoly

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a monopoly on lifetime income. It's the

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only product category that can pro

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provide a lifetime income stream for as

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long as you're breathing andor on a

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respirator. What if I lived 185 stand?

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It's going to pay.

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How in the world is that not just

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trumpeted from the top of the building?

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Well, I'm trumpeting off the top of the

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building. I'm the number one agent in

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the country. I'm licensed in all 50

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states of Puerto Rico. We represent all

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carriers. I have the largest staff in

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the business and that staff is under one

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roof in Las Vegas. We're licensed in all

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50 states. We're open 12 hours a day,

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Monday through Friday, and eight on

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Saturday.

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Unmatched. Everybody in the office is

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licensed, but they're not on commission.

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Sounds like a unique business model,

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Stan. It is. You should try us if you're

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looking for an annuity solution. We

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[snorts] ask two questions to every

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single person. What do you want the

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money to contractually do? And when do

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you want those contractual guarantees to

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start? From those two questions, I can

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tell you if you even need an annuity

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or and if you do, what type's going to

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provide the highest contractual

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guarantee? Now, a lot of you out there

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say, "Well, you know, I'm Social

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Security's a lifetime income payment,

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but what if I don't need lifetime

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income? I still hate annuities." Well,

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easy player because there's a product

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out there called multi-year guarantee

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annuities that I call MGA bonds that is

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works like a bond, like a CD. It gives a

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guaranteed interest rate for a specific

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period of time. Sound pretty good? No

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fees, no annual, no moving parts, no

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market attachments, just a guaranteed

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interest rate that compounds tax

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deferred. Sound pretty good. You still

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hate annuities? Do you need to reel that

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back in

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with 15,000 or more people turning 65

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every single day?

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Most people are looking for guarantees.

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Most people are looking for income. Most

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people are looking to not lose money.

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Warren Buffett's rule, rule number one,

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never lose money. Rule number two, don't

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forget rule number one.

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That's where most people are. People ask

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me all the time, "What do you and the

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queen do? been married 38 years. What do

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you and the queen do with all that money

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from the best growth stock on the planet

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called the annuity man that there's only

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two owners? That's me and my wife.

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What do you do with all that money,

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Diane? Mus put it in Mus. We protect the

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principal. It grows and compounds. Tax

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defer.

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What's the eighth wonder of the annuity

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world, you ask? It's it's called

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compound interest. Yes, it is. So, it

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doesn't always have to be lifetime

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income. Now, there's four product types

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of strategies that solve for lifetime

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income, and we, you know, we represent

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all of those and and all the carriers

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that offer them. But we only recommend

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A+ or better carriers for lifetime

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income because let me tell you, you

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don't need to be bottom fishing and and

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risking your money when it comes to

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lifetime income. And you might not know

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this, and I guarantee you if you're

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talking to a local local agent, I don't

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know why you would, they don't know this

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either, the income writer part on on one

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of the there's four types that do

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lifetime income. SPDS, Q likes, and

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income writers. Income writer is not

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part of the state guarantee fund. So,

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you better be choosing A+ or better,

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especially if you're choosing that

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strategy.

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So, all you annuity haters out there,

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slow down. All you annuity haters out

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there, be quiet. All you annuity haters

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out there, think before you speak

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because you already own an annuity.

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That's social security. You might own

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two if you have a pension. And in in

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essence, in my opinion, your required

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minimum distributions, that's an annuity

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payment as well. In addition to that, if

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you like CDs or bonds,

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annuities have that as well. Now, I'm

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going I'm the pied piper of annuity

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truth. As my grandfather told me a long

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time ago, if you tell the truth, you

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don't have to remember anything. But I'm

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going to change the game in the annuity

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industry. I'm going to make annuities

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a positive, not a negative, not a curse

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word in the financial business. I

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encourage you to go to my site at

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theanuityman.com.

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You can run quotes 247365.

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Just launched a new site. You can

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actually run quotes without giving us

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your information, your name, or your

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email. You can just put your date of

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birth male in the state you're in. Date

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of birth female the state you're in or

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joint and get the quote. We call it the

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quick quote. How about that? We're not

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trying to capture your information.

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We're trying to give you information so

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you can make a good decision on your

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terms and your time frame. You can

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download my six owner manuals. There's

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lots to do at the site and we made the

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decision that we're going to we're going

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to give away the quotes without you

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giving the information away. You say,

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"Well, Stan, nobody does that. Why are

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you doing that? Because I hate giving my

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information away until it's game time

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and I want to buy. So, what we decided

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is we're going to give it away. You want

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to see guarantees? We're going to show

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you guarantees. If you want to dig in

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further and schedule a call with me,

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great. If you want to email me, Stan at

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the annuity man, great. But the new site

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is about you and it's going to get

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better and better and better. But you

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can do a you can do a customized quote

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or you can do a quick quote and you can

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see live mga feeds without signing up

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without giving away your information.

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How about that? Talking about putting

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your money where your mouth is. Do me

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one last favor. Above my head there's a

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spinning clock and there's a video I did

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um I think it's a little bit ago but

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it's it's kind of caught on and I want

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you to to to review it if you haven't

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already. It's annuities versus CDs. You

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know what's the difference? We talked

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about multi-year guarantee annuities and

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CDs. Multi-year guarantee annuity being

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the annuity industry version of a CD. Go

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to there. Go to that video. I think

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you'll get uh some good information.

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Then you can go to my site and look at

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the live feed and the best rates for

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your state. All right. So, all you

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annuity haters, calm down out there. You

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already own an annuity.

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My name's Stan the Annuity Man. We'll

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see you next time.