Best Fixed Index Annuity

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Hi there, Stan The Annuity Man, America's Annuity Agent licensed in all 50 states and Puerto Rico, founder of CGO, Contractual Guarantees Only, which means you own an annuity for what it will do, not what it might do. Today's topic, you know, there's triggers in my life, you know,

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daughters do triggers, um employees triggers, lawyers triggers. This one's a trigger. This one sends This one I'm glad I'm on blood pressure medication. The topic is, what's the best fixed index annuity? What? We're going to talk about it. I'm going

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to break it down like I mean, you need you need to stay. I know you're going to man, he's not going to tell me THE COMPANY. THERE IS NO COMPANY. STAY WITH ME. YOU NEED TO hear this or you're getting ready to make a mistake. >> [music]

0:58The Truth About Best Fixed Index Annuity

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>> So, the question is, Hey Stan, what's the best fixed index annuity? Promise me right now, stop what you're doing. Promise me to never, ever, ever, ever ask that question to anyone but me. Cuz you know what they're going to say? Well, I'm going to tell you something,

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son. I've done research on it and this is the best fixed this is the best fixed index annuity. Garbage. All annuities are commodity products. There's no best fixed index annuity. And if you're thinking, well, you know, what's the highest bonus? Then you're an idiot.

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And your agent's an idiot. And you should be using us before you make a mistake.

1:37When NOT To Buy An Annuity

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What's the best fixed index annuity? What's your goal, player? Is your goal, well, I you know, I want about, hmm, let me say, 7 11% return? Then you're an idiot. Then go do the market. Don't buy an annuity. Never, ever buy an annuity type for market growth. What's the best fixed

1:57How We Use Fixed Index Annuities

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index annuity? For us, the way we use them, we use index annuities as a delivery system for the income rider. For life for lifetime income. If you answer the two questions, what do you want the money to contractually do and when do you want those contractual

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guarantees to start? Those are the two questions we ask everybody. Even the Walmart greeter. We'll walk in and ask them that. But if you answered Do they still have Walmart greeters? I don't think so. Okay. If you answered, I need lifetime income, I need it to start

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4 years from now. That's an income rider and a deferred income annuity. But income riders ride on top of a policy. We use index annuities to deliver that guarantee. We do not look at the index annuity. It's not guaranteed. The income rider is guaranteed. The index annuity return is

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not guaranteed. The income rider is guaranteed. Are we clear?

2:55The Dangers of Misleading Sales Pitches

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I'm passionate about this cuz you're going to hear some of the best sales pitches. See the best juiced up non-guaranteed numbers on the planet and they're hoping your IQ goes away for a little bit. There you go. You know what? That sounds real good. That sounds real good.

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That sounds too good to be true because it is. There is no best fixed index annuity. For us, however, if you say, "Stan, I don't believe you. Give me one." Okay. So let's just say you need income in 5

3:26How To Find The Best Annuity For You

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years from now. And we quote all income riders A+ or better attached to index annuities. The top one for the income rider that gives the highest guarantee, that's the best index annuity. You follow me? Never ever look at this side and go, "Well,

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it's got pretty good potential over there, Potential don't pay the bills, Fred. Come on. It's your retirement. It's a joke. But we sell more index annuities than anybody because we use them properly. They're a delivery system for the income rider. So

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you're saying, "Wait a minute, Stan. So

4:06The Truth About Index Options

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you told me the how to do the best, which is highest income rider guarantee. Do you even have a conversation? Do you even talk about caps, spreads, participation rates, bonuses?" No. We tell you that UP FRONT. COULD CARE LESS. DON'T GIVE A CRAP.

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CURRENTLY, at the time of this taping, there's over 800 800 index option choices. 800. They're all designed to pretty much give you the same thing, CD returns. That's okay. But not market returns. Index annuities are not a security. If you want to go by

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growth, don't buy annuities of any type. That includes variables and that includes variable and yes, I used to work for Dean Witter, Paine Webber, Morgan Stanley, UBS. Yes, I did have those licenses. Yes, I know what I'm talking about. Top agent in the country. You have to

5:08What Really Matters When Buying Annuities

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ask yourself, why is the top agent in the country not all in and all hyper and all excited about these index annuities? Because they don't work as pitched. We sell contractual guarantees. Chapter two, your life is about you. Chapter two is about you.

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You're building the income floor. Annuities offer four things. Acronym's PILL. P stands for principal protection. I stands for income for life. L stands for legacy. The other L stands for long-term care. There's no G for growth. There's no M for market.

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There's no S for stocks. Stop with the Stop falling for the sales pitches. If you buy the dream, you're going to own the contractual reality. We start with the contractual reality. We end with the contractual reality. Every single We don't have Somebody asked me the other day,

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"Consultant flies in. Can we have a hour of your time, Stan? We just kind of want to know how you do it." First question, out of the box was, "Tell me about your annual annual meetings with your clients." I'm like, "Annual meetings?" Annual meetings?

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We sell contractual guarantees, player. What do we do? What do we do? "Hey, uh Mr. Jones. Yeah, this is our annual meeting. Uh contractual guarantees are still performing as they should be contractually. All right. Have a good day." Duh. "What's the best fixed index

6:34Better Product Than Index Annuities

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annuity?" Stand-alone, there is none. If you said are none. If there If you said, "Stan, I just want to buy index annuity. Don't want Don't buy an income or I don't want to buy that." Don't buy the index annuity. Buy Omega. Principal protected guaranteed annual percentage return.

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Contractually. And it beats index annuities historically. Annuities are simple, okay?

7:00Next Steps and Helpful Resources

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If you want to go down the rabbit hole, go to my site, theannuityman.com. Download my book on index annuities, fixed index annuity owner's manual. It's free. 80 pages. Or go to my YouTube channel. Done a few videos. Type in the space bar, fixed index annuities, and up pops a

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bunch of videos. You can go down the rabbit hole. Get educated. Don't believe the pitch. Believe the contract. And if you really want to get your mind blown, and someone's pitching you some index annuity, call us up and say, "Hey, Stan, send us the specimen policy." You won't buy it.

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I promise you. I promise you that. One last thing, above my head, spinning clock, there's a video I did on inflation, how annuities address inflation factually, pragmatically, rationally, and contractually. No pie in the sky. Index annuities do not address

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inflation. You'll love these pitches. Well, you know, there's a possibility, son, if the index increases, then the income's going to increase. Just shut the heck up. Oh my gosh. Give me a break. You got a better chance of winning the lottery. It's not going to happen. All

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right? I'm doing okay. I mean, I'm You know, this type of topic just drives me crazy, but I'm glad we have I do this is because if I can save you guys from making a stupid decision and possibly interact with me. By the way, email me. [email protected] or book a call,

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then I've done my job. See, I don't need the money anymore. I'm out here for sport. And the sport is squashing all this nonsense that's out there. My name is Stan The Annuity Man. See you next time.

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