Chat With Me or ChatGPT: Shootin’ It Straight With Stan

April 2, 2026
10 min
The Annuity Man®
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AI can scrape the internet, but it can’t customize your retirement or take responsibility for your annuity decisions. In this episode, Stan breaks down why you should never outsource your annuity strategy to ChatGPT—and what to do instead.  In this episode, The Annuity Man discussed:

  • AI vs. human advice in the annuity world
  • Risks of relying on ChatGPT for annuity research
  • Customizing annuity contractual guarantees
  • How AI supports back-end operations in his business
  • Vision for a tech-forward, pro-consumer annuity platform

Key Takeaways:

  • AI tools like ChatGPT can be helpful for general education, but they are inherently unreliable for annuity advice because they scrape both accurate and inaccurate information.
  • Annuities are contractual guarantees that must be customized to each person’s age, goals, and situation—something a generalized AI output cannot safely do.
  • Technology and AI can massively improve operations like accounting, tracking, and database management, but they should complement, not replace, experienced human advisors.
  • The annuity industry is often slow and resistant to change, yet a tech-embracing, pro-consumer approach can flip that model and better protect buyers from bad sales pitches.
  • Access to an experienced, licensed professional who has worked thousands of cases is invaluable, especially in retirement planning where you “can’t make a mistake.”

"When AI scrapes information to create the information flow that they're giving back to you, they're scraping both good and bad, both truthful and non-truthful information." —  Stan The Annuity ManWatch and Enjoy,Stan The Annuity Man

LISTEN/WATCH FUN WITH ANNUITIES PODCAST / @funwithannuities  

00:00

Welcome to Shootin' the Straight with Stan. I'm your host, Stan, the Annuity Man, America's Annuity Agent, licensed in all 50 states, the founder of CGO, contracts for guarantees only. You You only look at an annuity for what it will do, not what it might do. Never buy an

00:14

annuity for growth. Never buy an annuity for growth. Hello. I know that just upsets the apple cart in the industry. They hate when I say that. I get all the hate mail on Reddit and all the social media platforms. Bring it on, player. You know I'm right.

00:27

It is what it is. Today's topic is chat with me or chat with GPT. Easy for me to say, chat with me or chat GPT. AI, man. AI, artificial intelligence, is changing the world. You know, for for us in the annuity business, AI means actual individuals cuz

00:47

currently, the current law says you have to speak with a person licensed in your state um that's passed the test and the license is active to, you know, get your annuity through. For you to buy an annuity. Now, maybe that'll change in the future with AI, but maybe it won't. Who knows?

01:05

It's the insurance lobby is going to control that. What I wanted to talk to you about is a lot of you out there are using whatever it is, Grok or you know, I don't know, Claude or chat GPT to research annuities. You know, I'm getting a lot of calls now

01:24

cuz typically, I take I try to take the calls unless there's just so many. So, I can take as many as I can. Let's put it like that. And I'm getting some calls that are like, well, you know, AI did and this is what it says, so I guess that's true. What? What are you talking about?

01:41

You tell me that you trust AI over me? Come on, player. When AI scrapes information to create the information flow that they're giving back to you when you search something, they're scraping both good and bad, both truthful and non-truthful information. So, it's a hodgepodge.

02:05

You're rolling the dice. Now, I'll be the first one to say, it's pretty amazing what what it does give you in a lot of occasions, but we found some horrific horrific problems and examples that they give that are just factually wrong. Not AI's fault, they're just scraping

02:24

the internet or wherever they're for for information and you know as well as I know that in the annuity business, the information is sketchy with most most people either on YouTube or with the website. They have agendas. They're saying things just to part you from your

02:41

money. They're not telling the truth or at least they're twisting the truth a little bit. I've no problem with you you're pulling up you know, AI chat GPT, but you need to talk with me. You need to talk with somebody who's been doing it for decades that understands

03:01

the customization of annuity contractual guarantees. I had a gentleman today. Did the chat GPT thing and about QLACs, qualified longevity annuity contracts, thought he knew everything. I'm like, slow down, player. By the time we were done and he went to

03:20

the application process, we had bought three we had split the the QLACs into three and we had them starting at different dates, laddering the income. Ain't no damn chat GPT that ladder income strategies custom customized to this specific person's age and situation. Come on.

03:44

You're smarter than that. Now, I do understand that you don't want to talk to humans and I do understand that man, if you don't know how to talk to Stan, you know, he's the walking middle finger of annuity truth, but I don't want to put up with that. I don't I mean he's

03:55

going to come at me. No, and no, but I am not going to allow you to believe that something's true when it's not cuz you read it online. That's nuts. Now, artificial intelligence has changed our business with stuff that we do from an accounting standpoint and a tracking

04:14

standpoint and a database standpoint, phenomenal. Just absolutely phenomenal. And the person that runs my company is a 30-something maniac smart guy that I stole from Google who was working in their Gemini division. I mean, he now runs it. And he's doing things from a technology

04:33

standpoint using some AI that's mind-blowing. And check the date of this this taping, you're going to see some things from my company coming forward in the next 18 months that's going to blow the doors off the annuity industry. That's going to blow the doors off this static, old

04:50

man, fat person, man making money lazily. This industry sometimes disgusts me because they're so lazy and they don't want to change. We're running toward it. And with the guy that's running my company now from Google, we're embracing technology and we're going there, but

05:10

here's the interesting part. We have more staff than anyway. We still have more humans. We're hiring humans to at the end of the finish line work with you or in the middle of the process work with you. I'm always going to be around. I'm always going to be doing

05:26

these videos. This isn't AI player, this is me. Right in your face telling you the truth and making sure that you're not falling for something that you searched on a AI search engine and you go, "Well, I guess that's true." Come on now, you can't there's no way

05:43

you can believe that. Maybe it's a foundation for you to then schedule a call with me so that we can go over it. And if it's true, I'll tell you. But if it's not, I'll tell you. Think of the bad chicken dinner seminars you went to. Think of the stuff you've heard on the internet

06:02

that just is garbage and you know it's garbage and you know the person on the on the videos a sociopath. And then you you stumble upon my videos and you say, "Man, this this dude is telling the truth and he's right in your face." Yeah. But but AI is scraping from all of it. Really is.

06:23

And it's not perfect. It's brand new. Eventually, it's going to get better and better and better. But what I would advise you to do is go to my site at theannuityman or email me [email protected]. Schedule a call with me. Interact with me via email. Ask specific questions.

06:43

I am not a hammer looking for nails. Listen, I stopped needing money 15 years ago. I do this for for because I love it. And the sport of squashing bad sales pitches out there to save you from those people. That's why I do it. And I'm so excited right now because

06:59

we're getting ready in the next 18 months to change it all. To change the way the public interacts and buys annuities on a national basis. I'm licensed in all 50 states and Puerto Rico. I'm putting all I'm all in. All chips All chips in on the technology. All

07:17

chips in on a pro-consumer site. All chips in to flip this thing upside down. Will AI be a part of that on the periphery of what we do as a company? Sure. There's things that AI can do that humans can't in a good way. Whether it's, you know, accounting, tracking things,

07:37

database management, those type of things. But for advice on your retirement where you can't make a mistake you know better than that. Okay? When you talk to me and you schedule call, it's free. When you schedule call with me, it's 30 minutes at 30 minutes.

08:01

It typically doesn't take that long, but it can. It's 30 minutes. It's no obligation. It's 30 minutes of me answering your questions. It's 30 minutes of me giving you my professional advice over decades. It's me giving you my insight having done 100,000 cases.

08:23

Take advantage of that. I am a walking, talking, breathing, actual individual, not AI with experience. And that's going to tell the truth. As my grandfather Hunter Garrison said a long time ago, if you tell the truth, you don't have to remember anything.

08:42

Good just a good old boy Southerner worked in the mills, worked in the textile mills, farmed on the side to make a living. But he told me that early and I was like, "It kind of makes sense." And you know, if you if you lie, you got to remember what you said.

08:56

Tell the truth, you just tell the truth. Annuities are contracts. This isn't anything fancy. And if it's fancy, someone's trying to sell you something that's not going to work. All right? So, chat with me or chat GPT or whatever AI platform you're using, I'm okay with you

09:18

using it, but at the end of the process me and you need to be talking. Me and you need to be talking about your situation. I need to be have my staff and I work on your quotes, even though you can go to my site and run them yourself, but there might be a customized quote that I I

09:34

know about that I can run for you. Okay? That's shooting it straight with Stan. I'm an actual individual, AI. See you next time.

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