How Do You Buy An Annuity?

0:00
Hi there, Stan the Annuity Man,

0:02
America's annuity agent, licensed in all

0:04
50 states in Puerto Rico. Today's

0:07
question is a good one, but a dangerous

0:09
one. How to buy an annuity. I'm going to

0:11
add to that. How to buy an annuity

0:14
without making a mistake? Because in

0:16
chapter two of your life, there are no

0:19
mulligans. That's a golf analogy for no

0:21
doovers. You know, hit it in the lake.

0:24
You can't in competition, you can't say,

0:26
"Well, let me let me hit another one."

0:29
You can't make mistakes. So, when you

0:31
buy an annuity, you have to do a few

0:33
things before you pull the trigger. And

0:36
I'll tell you what those things are

0:37
after this.

0:45
So, when you're considering buying an

0:47
annuity, you have to solve for

0:50
something.

0:52
First of all, never buy an annuity for

0:53
growth or potential or hypotheticals or

0:56
theoreticals. You buy annuitities and

0:59
there's many types for contractual

1:01
guarantees.

1:03
The acronym is pill. P stands for

1:06
principal protection.

1:08
I stands for income for life. [snorts] L

1:10
stands for legacy. The other L stands

1:13
for long-term care. That's it. That's

1:17
what they solve for. Now, the two

1:19
questions that we ask, what do you want

1:21
the money to contractually do? and when

1:24
do you want those contractual guarantees

1:26
to start? That determines a if you need

1:29
an annuity and B, if you do, which type

1:32
is going to provide the highest

1:34
contractual guarantee at our site, you

1:37
can run the quotes yourself or you can

1:38
have us do that for you. We're going to

1:41
quote all carriers for the highest

1:43
contractual guarantee. So, what do you

1:45
want to solve for?

1:47
Buying the annuity is the easiest part.

1:50
You know, my firm, biggest direct to

1:52
consumer site on the planet, licensed in

1:55
all 50 states in Puerto Rico. You can

1:58
run quotes 247 365. You can download six

2:01
owners manuals for free. You can

2:03
schedule a call. You can demand to talk

2:05
to me. You can email me personally,

2:07
stantheanuityman.com.

2:09
We want you as a client.

2:12
But we only want you as a client if you

2:14
define to us and tell us and understand

2:17
what you're trying to solve for. You

2:19
just don't go buy an annuity. You

2:20
already own one. Social Security,

2:23
which is the best inflation annuity on

2:25
the planet. If you have a pension,

2:26
that's another annuity.

2:29
So, the question is, do you need

2:30
lifetime income? Do or you just want to

2:32
protect the principal? You want some

2:34
legacy in there for the beneficiaries,

2:36
or do you need long-term care? There's

2:39
not one product that does it all. Even

2:41
though you will be told that there are,

2:42
there are not.

2:44
When you're looking to buy an annuity,

2:46
you need to put your IQ cap on.

2:49
When you're looking to buy an annuity,

2:51
you need to put your defenses up. You

2:53
need to put the filters in place. If it

2:56
sounds too good to be true, it is every

2:58
single time without exceptions.

3:03
If you buy annuities for growth, you're

3:05
going to be disappointed

3:07
ma vast majority of the time. If you

3:09
need growth, then do the markets, man. I

3:12
mean, don't you don't need annuities.

3:14
I know the annuity industry is obsessed

3:16
with that side. They're losing it.

3:19
They're missing the plot.

3:21
They're making one of the biggest

3:23
marketing blunders in corporate history.

3:28
What am I talking about? Annuitities are

3:31
the only product category that can

3:35
produce, back up, and guarantee lifetime

3:38
income.

3:41
That sounds pretty good, right? You like

3:44
your social security, don't you?

3:47
But no, the annuity industry focuses on

3:49
that. How do you buy an annuity? You buy

3:52
it for the contractual guarantees. You

3:54
buy it for what it what it what it will

3:56
do, not what it might do. If the

3:58
industry would just focus on that, the

4:00
industry would triple.

4:03
We have 15,000 baby boomers turning 65

4:06
every single day. They're not looking

4:08
for rah raw growth. They're not looking

4:11
for the next hot stock. They're looking

4:13
for lifestyle and to live their life.

4:15
They're looking for guarantees. They're

4:17
looking for principal protection.

4:19
They're looking for lifetime income.

4:21
They're not looking for hypotheticals,

4:24
theoreticals. How do you buy an annuity?

4:27
When do you buy an annuity? First of

4:29
all, the when part, when do you buy an

4:31
annuity is when you need to solve for

4:33
the contractual guarantees. Remember the

4:34
two questions. What do you want the

4:35
money to contractually do? When do you

4:36
want those contractual guarantees to

4:38
start? At the time of this taping,

4:42
we are as technologydriven as anybody on

4:45
the planet more and going in that

4:48
direction. But currently AI means actual

4:52
individual. You need a licensed

4:56
human on the phone with you

5:00
at the very end

5:02
to do the application, etc. Everyone in

5:05
my office at the Las Vegas headquarters

5:08
licensed in all 50 states, but not on

5:11
commission.

5:12
We're open 12 hours a day, Monday

5:15
through Friday. We're open eight hours

5:18
on Saturday.

5:20
Do the math. That's 68 hours. We're the

5:22
only ones. We work around you.

5:25
My team's incentive is to help you and

5:28
get things across the finish line and do

5:29
the right thing. That's their incentive.

5:32
There's no commission incentive.

5:36
And everyone's under one roof working as

5:39
a collective on your case to get it

5:41
done. How do you buy an annuity? You

5:44
choose someone that's going to tell you

5:45
the truth. That's me. It's going to tell

5:49
you right now. That's me. I'm the

5:52
walking middle finger of annuity truth.

5:54
I say that proudly. I was introduced one

5:56
time at a speaking event. Someone said,

5:58
"Here comes the walking middle finger of

6:00
annuity truth." And I said, "You're damn

6:02
right I am. The industry needs it. If

6:05
you tell the truth, you don't have to

6:07
remember anything. So, how do you buy an

6:09
annuity? You buy it for the contractual

6:11
guarantees. How do you buy an annuity?

6:13
You find someone you trust. Hopefully,

6:15
it's us. Hopefully, we're in the

6:16
conversation, the competition for that.

6:19
How do you buy an annuity? You don't

6:21
listen to hypotheticals and theoreticals

6:23
and non-g guaranteed returns. How do you

6:25
buy an annuity? If it sounds too good to

6:28
be true, it is every single time. Every

6:30
single time. Do me a favor. One last

6:32
thing. I did a video on inflation and

6:36
how annuities factually and

6:37
contractually solve for inflation. Not

6:40
the not the fluff, not the sales pitch,

6:42
not the steak dinner seminar crap. Real

6:44
stuff. Me doing it for 30 years, knowing

6:47
what I'm doing. You need to know it,

6:48
too, so you can prepare for it. So,

6:50
watch that video. And I'm doing these

6:52
videos one a day, seven days a week. We

6:55
shoot them in batches. You know, that's

6:57
that's sometimes you see me dragging a

7:00
little bit. That's because we're at some

7:01
high number. But I'm here to educate and

7:04
edutain and get you up to speed so you

7:06
don't make a mistake. My name is Stan

7:08
the Annuity Man.

7:10
See you next time.