Can Annuities Beat Inflation? Here’s the Truth

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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. So glad you joined me today

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because today's topic is very key. A lot

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of people ask me this, Stan the annuity

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man. How do annuities help solve for

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inflation? The gorilla in the room.

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Inflation, Stan, inflation. What are we

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going to do? Can I buy the eggs? Can I

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buy the gas? Can I buy things?

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Are we going to be able to survive

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inflation? Well, annuities can solve for

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inflation, but just like everything in

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life, nothing is perfect. And if the

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sales pitch you're hearing from that

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local agent that's trying to be your

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friend, sounds too good to be true.

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Guess what? Spoiler alert. With no

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exceptions,

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it is. Now, before I get into this

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inflation, you know the drill. I'm a

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music guy. We need to hear music. We

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need to hear it right now.

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All right. So, we're talking about

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inflation. Oh, man. My wife calls me the

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other day from the store. She goes,

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"Have you seen the price of eggs? Have

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you seen it?" I'm like, "Uh-huh. Yeah,

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we can buy the eggs. Buy the eggs. We're

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good." And just to kind of get on my

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soap box a little bit, let me step up.

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That's on my soap box. If you have a lot

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of money, I mean a lot of money, please

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don't call me and talk about inflation.

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That's arrogant. Inflation hits the

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lower level of society as we all know

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and a lot of us out there didn't grow up

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with money. So, we were at the lower

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level at one point in time. Inflation is

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kind of cyclical as we have seen. It's

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going to come and go, but if you have a

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lot of money, you're going to be able to

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survive at Chester. It's going to be

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okay. But let's talk about strategies

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using

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um annuities. And there, by the way,

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spoiler alert, there's many different

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types of annuities. Don't say I hate all

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annuities. No, there's many different

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types. But the first way to solve for it

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is if it has like an immediate annuity,

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a CULAC, or a deferred income annuity

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has what's called a COLA, cost of living

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adjustment, C O L A. What that is is a

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contractual numerical increase

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contractually that the income is going

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to grow by. Wait a minute. Don't don't

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get up and start clapping yet. There's a

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catch. So, in other words, you buy an

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immediate annuity, you say, "I want it

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to increase by 3% every year as long as

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I'm breathing." That sounds fantastic,

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but the annuity company does not give

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that away. Visual, this is a visual

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thing right now for people to listen to

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me and that's not watching the video.

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Just envision my hand one hand higher

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than the other. This is a an immediate

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annuity without a COLA. This is the same

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immediate annuity with a COLA. So

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annuity companies have a big buildings

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for a reason. They don't give that away.

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But you already own the best inflation

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annuity on the planet. I know, stop.

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You're saying, "I don't own an annuity.

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I've never own an annuity." Social

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Security is the best inflation annuity

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on the planet. You already own that one.

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But so you can attach a cola. And

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there's some really bad indexed annuity

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sales pitches out there that say, "Well,

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if the index increases, it increases the

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income stream, sir." same visual index

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annuity without income writer without

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the COLA, the one with the COLA. In

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other words, they're going to they the

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annuity company is going to lower that

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initial payment. If you have a potential

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increase or a contractual increase,

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they're going to lower that initial

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payment by 30 and maybe up to 40%. So,

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you have to run those numbers

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mathematically to see if it makes sense

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to actually attach something with a

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potential increase. In my opinion, Stan

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the annuity m Americans annuity agent

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licensed in all 50 states. Top guy out

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here, the thought leader, the annuity

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whisperer. Yes, you know who I am. I

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don't I'm not sure you attach colas or

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potential increases. I'm not a big fan

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of potential anyway because I always

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tell people you own an annuity for what

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it will do, not what it might do. Will

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do is the contractual guarantees. Might

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do is the hypothetical theoretical

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projected backtested unicorns chasing

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the butterfly returns. Mr. Jones if you

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had done this if you'd owned it 10 years

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ago that nonsense don't do that will do

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now rational contractual ways to to

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address inflation using annuities is to

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buy income

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starting at future dates give you an

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example you could buy a deferred income

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annuity or a QAC one and the same just

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depends on what type of account you're

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using qualified IRA with income starting

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at future dates give you an example

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let's just say you have a QAC and and

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you the two right there at the time of

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this tape and check the date. The amount

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that you can put into QAC is $200,000.

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Let's say you broke that up in 50. So

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you did four $50,000 contracts with

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income starting at age 75, 77, 80, and

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85. You have income coming in at

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different dates as you get older. That's

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a good way to address inflation. You

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could do the same thing with income

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writers as well. But the bottom line

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with all of this with inflation,

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if you look really hard and you look

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hard enough and you dig and you do the

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analysis and you dig in and you try to

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find that annuity, that old will address

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for inflation, you'll never find it, but

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someone will sell it to you. I want to

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say that again. You'll never find it

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because it doesn't exist, but someone

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will sell it to you. So, be very

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careful. People will tell you, agents,

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advisors will tell you what you want to

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hear when it comes to inflation. But I

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want you to be rational. I want you to

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understand inflation is cyclical. If you

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have a lot of money,

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don't obsess over it. Turn off CNBC.

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Turn off Fox Business. And yes, I've

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been on both and I love both of them and

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please have me on again. But I tell the

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truth out here. They are trying to get

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clicks. They're trying to get audiences.

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Inflation, if you have money, is just a

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it's an event. It's like having the the

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financial flu for a little bit. You can

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afford it and yes, it does hurt. Yes, we

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are paying more for things, but you can

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use annuities for inflation to address

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inflation. And in my opinion, the way to

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do that is to have contractual

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guaranteed lifetime income starting at

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future dates. Now, you can go to my site

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at theanuityman.com. That's

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theanuityman.com,

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all one word. And you we have the best

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calculators on the planet. You can run

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lump sum quotes for SPSDSQL likes income

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writers or reverse engineer the quote

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solving for a monthly income amount and

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you can run them for future dates single

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life joint life etc. I would encourage

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you to schedule a call with us. There's

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a scant chance you get Stan the annuity

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man, but you're going to get somebody

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really smart that's an employee of mine

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that's been trained on all the Stanism

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Stanisms and the contractual guarantee

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nature of our strategies. And we will

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walk you through the good, the bad, the

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limitations, and the benefits and put

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together a customized strategy for you

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to meet your goals. That's it. How do

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annuities solve for inflation? The

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answer is contractually. That's the way.

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My name is Stan the Annuity Man. Hit the

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subscribe button and I'll see you on the

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next Stan the Annuity Man YouTube video.