Best 5-Year Fixed Annuity Rates

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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. Today's topic

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is a good one. It's the what are the

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best five-year fixed annuity rates, Stan

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the Annuity Man? I can get you those

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easily. You can check them daily on my

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site, but let's talk about how to filter

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them after this.

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So, when we're talking about the best

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rates, fiveyear rates, threeyear rates,

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seven-year rates, 10ear rates, doesn't

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matter. Um, those are called MAS,

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multi-year guarantee annuities. We're

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not talking about index annuities and

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caps and spreads and participation

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rates. And the reason is those are not

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guaranteed.

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The returns aren't guaranteed. I only do

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guarantees. You own an annuity for what

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it will do, not what it might do.

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Annuity solve for four things. The

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acronym is PIL. P stands for principal

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protection. I stands for income for

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life. L stands for legacy. The other L

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stands for long-term care. And you

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answer two questions. What do you want

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the money to contractually do? And when

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do you want those contractual guarantees

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to start? And what you what this

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question was want principal protection

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and want to lock in the guarantee for

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five years? We want to lock it in now.

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Okay. So, that's a multi-year guarantee

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annuity, the annuity industry version of

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a CD. You can go to my site if you want

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to learn more and you can download a MA

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owner manual for free, no obligation. Uh

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you can read that. You can go to my

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website and uh you can search for MAS

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and you can you see all kinds of

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information I have. But the most

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important thing you can get live MA

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rates. At the very top of my website,

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you'll see the live MA feed. Click that

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and you're going to have to do some

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filtering. You're going to have to put

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in your state of residence because MAS

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fixed rate annuities are regulated at

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the state level. So each state the

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companies have to go in and get their

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MIGA approved for your state. So put in

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your state and then put in your

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duration. In this case, you're looking

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for five years. Put in five years. And

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then you're going to see pop up the the

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annuities, the MAS, the fixed rate

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annuities in your state that's been

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approved by your state insurance

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commissioner. And then to the right,

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you'll see the yields. And we list them

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from top to bottom. Highest yield down.

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And then you'll see beside the carrier

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the AM best ratings. There's four uh

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companies that rate annuities. AMS,

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Standard Pors, Moody's, and Fitch. We do

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not look at Weiss. Um but those are the

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four. And Amb is what you see there. And

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I personally look under their financial

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hood and make sure that the

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recommendation is solid. Not everything

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on my site I recommend. We just show it

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to show you what the universe looks

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like. But u the other thing you have to

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look at when you look at MAS and you're

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trying to figure out what's the best

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fiveyear fixed rate or threeyear fixed

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rate or sevenyear fixed rate or 10ear

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fixed rate or oneear fixed rate you have

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to decide do you want the potential to

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take money out of that annuity via

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interest or if one offers a 10% penalty

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free withdrawal on an annual basis. So

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you'll see on the feed that it might say

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int that means interest or 10% that

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means a free 10% penalty-free

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withdrawal. Okay, so that's how that

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works. Or you might say I don't need to

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take the money. I just want to lock and

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load. And remember can be used in

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traditional IRA accounts, Roth IRA

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accounts and checking accounts, saving

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accounts, nonirra type accounts. Now, in

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the nonIRRA type accounts, the interest

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grows and defers um and compounds um tax

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deferred.

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So, that's the way that I use them. The

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annuity man, privately owned by my wife

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and myself, greatest growth stock on the

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planet that no one could ever buy. Makes

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Invidia look like a utility stock. Uh

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Nvidia, I say that, but I'm tr I'm

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truthful about that. It really has been

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a great run for us. And and the reason

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is, you know, we sell contractual

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guarantees. We're the only ones. Um,

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but what we do with our money is any

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additional money we put in migas and

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nonirra money and it just grows and

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compounds tax deferred. That's what we

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do. We love them. The eighth wonder of

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the annuity world is compound interest.

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Now, obviously, it's going to compound

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in compound uh tax deferred in your IRA.

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In your Roth IRA, it's taxfree, but at

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nonirra assets, it is an absolute

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no-brainer to put to put your money

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there. So once again, go to my site. You

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can download the MGA owners manual. You

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can go to the the the live feed. You

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don't have to put in any information.

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Just put your personal information. Just

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put in your state of residence and the

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duration you're looking at. And then you

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have to make a decision on um do you

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want to have the the potential to take

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money out via interest or 10%

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penalty-free withdrawal. You can see

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that. And then the last thing is the

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ratings of the company. Remember, we're

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dating MAS. We're not marrying MAS. Um,

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we're marrying lifetime income. So,

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that's got to be A plus or better. But

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MAS, they can be a little bit less

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because we're just going to be there for

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that duration. And I have to be a part

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of that to make sure you don't make

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mistakes. I've batted a thousand up to

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this point in my career. So, I look at

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them. I understand the financials. I

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understand that we're going to be there

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for a certain period of time. And these

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are non-correlated assets. They have

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nothing to do with the market. they are

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a fixed rate that the life insurance

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company is trying to attract money and

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they do that and I can explain to you

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how that works as well. One last thing,

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you know, I would encourage you to

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schedule a call with me or at least send

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me an email stantheanuityman.com.

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Um, get involved. Uh, take a look at us.

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We we do have the largest staff and we

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do it a different way because everyone's

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licensed but no one's on commission. And

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I do have the best staff in the country.

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um they will take care of everything

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from start to finish during the process

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if you decide to do an application with

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us and buy an annuity and we hope you

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give us a shot at that. Do me a favor.

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Up above me there is a spinning clock.

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We you know I did a pretty good video.

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It's kind of funny on uh attention

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annuity haters. You already own an

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annuity. There's a lot of blowhards out

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there that don't know what they're

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talking about. A lot of financial

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journalists that don't know what they're

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talking about. a lot of people at your

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your club or your cocktail party that

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will just go off on annuities and have

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no context and no clue about what

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they're talking about. That video is for

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them. I hope that's not you, but that

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video is for them. They already own the

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best inflation annuity on the planet,

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Social Security. So, you know, people

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are hypocriting hypocritting much a

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little bit out there. I always go

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hypocrite much because I, you know, I

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have this shirt that says I heart

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annuity haters and people Yeah, me too.

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I'm like, "All right, call Social

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Security and stop your payments,

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hypocrite." I mean, annuities have a

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monopoly on lifetime income.

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With the MA space, which is what you're

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talking, we were talking about here,

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they outperform

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contractually CDs because they're issued

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by life insurance companies and life

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insurance companies have many leverage

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to pull from from a profitability

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standpoint. So, they can price it

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differently and more in your favor. But,

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let's have that discussion. Okay, my

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name is Stan the annuity man.