How Contractual Annuity Payments Can Change Your Life

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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. Today's question is a good

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one. It's actually um I think it's

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relevant. How contractual annuity

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payments can change your life? Sounds

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sappy, sounds goofy, sounds like a setup

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question. It's not. I really think um

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this is something that

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should be

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expounded upon just because I think that

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too many people are addicted to the

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markets are addicted to market growth

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are addicted to the fear of missing out

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FOMO and they're missing the plot.

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The plot is is is lifetime income. The

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you know in chapter two of your life the

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ultimate outcome should be lifetime

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income.

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period. We're going to talk about that

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after this.

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[music]

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So, how how can annuity payments

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change your life? Well,

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lifetime income is a monopoly that the

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annuity industry owns. Now, you wouldn't

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know that because all they talk about

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are Rio's variables and index for

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growth. It never happens. If it happens,

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it's random. So they're talking about

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growth and non-g guaranteed returns

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where and the crazy part is and market

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and there will be business schools that

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study this as the big one of the biggest

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marketing blunders in in the indust for

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all industries is that lifetime income

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is what the annuity industry can

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guarantee. It's the only it's the only

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category that can provide income for as

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long as you're breathing. Please don't

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mention bonds. You're you're out of your

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depth. Okay? Because I used to manage

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them for Morgan Stanley. know what I'm

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talking about. Lifetime income, lifetime

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income is the game.

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Lifetime income is the ultimate outcome.

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And it can change your life. And the way

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it can change your life is if you put in

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that income floor to combine with the

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other annuity that you already have,

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which is social security, best inflation

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annuity on the planet. So don't be

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hypocrite and say, "I hate all

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annuities." Yet you have social security

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and it's coming in and you love it. Put

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in that income floor. It will change

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your life. It will change your life to

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have money hitting the account that has

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nothing to do with wars. That has

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nothing to do with anything, markets,

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anything. It's contractual. It's coming

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in for lifetime income.

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A+ or better carriers. So, A+ A++

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or better carriers for lifetime income.

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No exceptions. We're going to marry that

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company to pay you for as long as you're

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breathing and or on a respirator. If

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it's joint life, it's going to pay

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uninterrupted and unchanged to the

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surviving spouse for as long as they're

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breathing. And we can put back stops in

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there contractually so that if you die

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early in the policy, 100% of the money

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goes to your beneficiaries.

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Annuities solve for four things

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contractually. The acronym is PIL. P

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stands for principal protection. I

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stands for income for life. L stands for

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legacy. The other L stands for long-term

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care. We're talking about the I part,

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the income for life. Knowing that you

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have payments coming in for your life

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changes your life. Knowing that you have

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income coming in for your life and your

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spouse's life, even though you're not

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here, but your spouse continues to get

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the payments, changes your life. Setting

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up lifetime income for children when you

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pass so they will have a lifetime income

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stream changes your life and changes

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their life. I just had a gentleman was

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the executive of a of a his sister's

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will. His sister passed away and her

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hope and dream was for her two daughters

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that were middle-aged to get a lifetime

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income stream immediate annuity. This

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gentleman did that. He put that in place

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for them. Changed their lives and by the

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way changed his life. Feels good about

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himself. He's up in years. He's a He's

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an ex doctor. He's a nice man. He's a

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good man. He's a solid man. He did what

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was right for me, my two daughters, 30

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and 28, when I pass away, there's an

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immediate annuity that's going to be

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purchased for them. It's going to change

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their life. For a lot of people in this

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country, I think it's over 60%.

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Social Security is the only lifetime

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income stream that they get. It's the

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only payments that they get. They're

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surviving off Social Security. Okay,

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that's an annuity. It's the best best

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inflation annuity on the planet. for

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that to be available to our senior

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citizens changes their life. And by the

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way, politicians know that. And that's

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the fifth rail that no or fourth rail or

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whatever rail that is that no one's

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willing to even go near politically.

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Why? Because it changes people's lives.

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Annuity payments change people's lives.

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Additional income changes people's

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lives.

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It's amazing to me that people hesitate

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to buy lifetime income. They try. They

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look at it as an investment. It's not.

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It's a contract. It's a contractual

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guarantee. There's no ROI until you die.

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Well, is this a good time to buy them? I

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don't know.

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Should I wait? Will it be higher if I

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wait? Yeah, you'll be older. I'll

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guarantee the payment will be higher

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because you'll be older. It's life

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expectancy, not interest rates. Well,

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I'm gonna wait on the Fed. Well, then

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you're an idiot. Respectfully, you're

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focusing on the wrong thing. Thing is

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life expectancy.

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or Stan, I'm not gonna take it now. I'm

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gonna take it take it five years from

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now. Okay, great. Factor in those 60

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payments you missed. How long is it

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going to take for you to make those up

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mathematically?

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Annuity payments change your life.

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People right now are buying MAS, a lot

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of MAS, multi-year guarantee annuities,

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which is the annuity industry version of

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a CD. And you can protect the principle

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and then peel off the interest.

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I mean, that's what I do with my money

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right now. 62 years old. I'm gonna go at

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this as hard as I can for as long as I

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can. Making one video a day. I'm 62

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getting ready. I'm just rocking and

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rolling. This is what I do. I love it.

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But my wife and I have MAS. That's where

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the majority of our money is. It's just

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growing and compounding tax deferred.

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But a lot of people are just taking the

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interest off the top as payments and

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protecting the principal. That changes

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lives. I talked to a guy the other day.

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He goes, "Stan, should I buy an

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immediate annuity or should I buy a

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MIGA?" I said, 'Well, immediate annuity

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is like ripping a knob off a water

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faucet. In this case, it's not water.

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It's income and it's great. It'll pay

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you for the rest of your life, but it's

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going to draw down on the asset. I said,

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"Do you have enough money to where we

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can buy a MA and you could just peel off

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the interest

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and never touch the principal?" We ran

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the numbers. He said, "Yeah, I think I

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can do that. That'll work." I'm like,

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"Well, he heck, that's that's what we'll

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do. will not touch the principal and

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we'll just peel off the interest and at

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the end of the duration you still have

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the money you put in. Boy, was he happy.

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Change lives, right? There's no magic

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that I'm doing out here. Just telling

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the truth, being honest with people and

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talking to them. If I had the perfect

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product, that's all I do videos on.

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There is no perfect product. There's

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contractual guarantees. The question is,

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what do you want? Do you need more

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lifetime income? Most people do, except

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for the ultra rich. The rest of us need

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lifetime income in some form or fashion.

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Whether it's immediate annuity, deferred

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income annuity, a QAC, an income writer,

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or if you're just peeling the interest

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off a MIGA. Income is income and it's

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great and it does change lives. I always

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tell people this and I I'll close with

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this. I always tell people fly first

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class or your kids will. There's no

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U-Hauls behind herses. Whereas I tell my

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mom, buy the drink at she goes, well

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Coca-Cola costs $5. Buy it. Live life.

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There's three phases of retirement. Go-

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go, slow go, and no go. You're, if

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you're in go- go, go get it. Put the

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income in place and go spend it. Most of

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you have a spending problem. Lifetime

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income annuity payments change lives.

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All right. Go to my site,

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theanuityman.com. You can download books

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on all of these products that I talked

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about, owner manuals. They're fantastic

8:12
quick reads. You can schedule a call

8:14
with me. You can email me,

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stantheanuityman.com.

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There's little buttons there you can

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just click and you can email me

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something. Also too, I did a video on

8:21
our quotation system, which is pretty

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cool. You don't have to put in your

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personal information. I'm very proud of

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that. We're the only ones that do that.

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We don't play games. You don't have to

8:28
sign up for an account. You can just get

8:29
the quotes all day long, 247, 365. No

8:33
name needed, no email needed, no phone

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me needed, no name needed, no email

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needed, no phone needed, just gender,

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state of residence, and date of birth

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for lifetime income. That's it. Also too

8:44
on our site is Virtual Stanley, which is

8:48
an AI tool that if you want to get

8:50
answers to all the stuff that I've come

8:51
up with over all these years and all

8:54
these videos, just type in the question

8:56
Virtual Stanley. We'll answer. We're

8:57
setting the bar out here. We want you to

8:59
be our client. We want you as a client.

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We're going to do whatever it takes to

9:03
get you the information that you need to

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become a client. All right, my name is

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Stan the Annuity Man. We'll see you next

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time.