How To Compare Lifetime Annuities With Other Retirement Income Sources

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So, how do you compare lifetime income

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annuities with other retirement income

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products and sources that you can get?

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Hi there, my name is Stan the Annuity

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Man, America's annuity agent, licensed

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in all 50 states in Puerto Rico, founder

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of CGO contractual guarantees only,

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which means that you own an annuity for

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what it will do, not what it might do.

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Let's do those comparisons. Honestly,

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you know, I'm having been with Morgan

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Stanley, Dean Witter, Payne Weber, UBS,

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I'm familiar with the other side and

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what they offer. Um, nobody has the

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perfect product, but we're going to

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compare them after this.

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[music]

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So, let's talk about lifetime income

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guaranteed annuities. And there's four

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types. SPIA, single premium immediate

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annuity. DAS, deferred income annuities,

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QAX, qualified longevity annuity

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contracts, and income writers that are

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attached to some deferred annuities. All

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four of those types provide lifetime

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income for as long as you're breathing,

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even if you're on a respirator, even if

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you're in a coma.

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God, God help us if that's the case,

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right? But what's interesting about the

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annuity industry and it's it's a

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headscratcher for me. It's the only

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product type and category that can

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provide a lifetime income stream only.

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Annuitities have has a monopoly on

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lifetime income. It's the only product

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that's going to pay as long as you're

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breathing. Even if there's no money in

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the account, that's the separator of

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that time of that as compared to other

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retirement income sources.

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No other source

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will provide that lifetime income stream

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unless there's money in the account or

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income stream. Some and most of the time

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it's not lifetime lifetime income

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monopoly not most of the time none of

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the time monopoly lifetime income

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annuities but let's look at other items

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from the standpoint of getting income

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and not buying an annuity. It's pretty

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basic. You know, you can do AAA

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municipal bonds, corporate bonds,

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preferreds,

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treasuries, CDs, money markets, dividend

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stocks, etc., but those aren't lifetime

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income.

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Now, you can make the argument, well, my

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grandpappy bought XYZ dividend stock a

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long time ago, and I keep getting

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dividends. Okay, great. That's fine. but

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lifetime income. What if artificial

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intelligence, which I think this is

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going to happen, it's going to shorten

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the medical breakthrough time periods,

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which is going to lengthen projected

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life expectancy, which is going to

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lessen the payments because the payments

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will be projected to be more. What

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happens when that happens, Stan the

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annuity man? And that is going to happen

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within the next, my prediction, hope I'm

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wrong, two to three years.

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So, you're at legacy in uh life life

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expectancy tables right now. They're a

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bargain.

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They're a bargain. I mean, just recently

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time of this taping, there was I think

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the the company was Madna had something

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for pancreatic cancer, some breakthrough

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that's going to continue to happen. That

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was AIdriven. Okay. There's a lot of AI

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going into the diabetes side of the

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ledger. I'm a type two diabetic.

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Looking forward to that. looking forward

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to not taking all this medication and

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and eating like crap, eating cardboard

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every day, it's going to make us live

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longer.

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So, comparing lifetime income annuities

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with what I just told you about, there's

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really no comparison. All I will tell

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you is there's nothing wrong with the

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dividend stocks, preferred stocks,

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treasuries, corporates, munis, CDs,

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money market. There's nothing wrong with

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that. Dividend stocks, whatever. It's

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just that and and what I like about it

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is you can fully control it. Fully

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control it fully.

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Over here it's lifetime income. It's a

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pension. It's social security which is a

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pension which is an annuity which is the

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best inflation annuity on the planet.

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What I'd rather you do is not compare to

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see who's better. Not compare to see

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well that's got to go with them because

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they don't do that or I got to go with

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them because they don't do that. No,

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combination.

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Combination. When you put together an

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income floor, which is the amount of

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money that hits your bank account every

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single month, there's no problem with it

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being a combination of lifetime income,

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which is social security, and annuities,

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okay?

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And a combination of these others,

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corporates, muties, treasuries, CDs,

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money markets, dividends, stocks,

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preferreds. That's okay, too. The bottom

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line is the bottom line. The bottom line

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is your income floor. How much is

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hitting your bank account every single

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month? Lifetime income or re retirement

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floor income is the ultimate outcome.

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However you get there, you get there.

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But it's all about lifestyle. Chapter 2

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is about you. You've worked so hard.

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You've scrimped. You've saved. You've

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done without. You threaded the needle.

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You've planned.

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You're a 30-year overnight sensation. Go

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spend the money. Most of you have

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spending problems.

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So for you to be asking that question,

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you're once again

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trying to find

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trying to overanalyze and find the best

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thing. You've always done that. You did

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that when you grocery shopped. You did

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that when you bought a car. You did that

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when you bought a house. And I don't

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mind you doing that now with annuity

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lifetime income and then other

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retirement income sources. All I'm

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saying is they're not enemies. They're

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friends.

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your your income floor

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is a family of products. It's up to you

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to decide what that product is or what

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those guarantees are and where those

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guarantees are coming from and how long

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those guarantees are for. But at some

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point in time, you have to conclude that

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you've won the game. You won the game.

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So why are you still playing? You've won

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the game. So, let's combine these two

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for the income floor so you can go live

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your life and play guitar and travel and

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eat out and take care of the spouse and

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your family and go see the grandkids and

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go see good old State U play football

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andor basketball or baseball or

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whatever. I'll tell you this, I'm 62.

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Okay. Um just recently found out that my

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um roommate from college who was a

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defensive tackle um good just a good

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dude died unexpectedly. And then a good

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friend of mine who was a um a teammate

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of mine in high school and I played

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college basketball but he was a great

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player with me on that high school team.

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He died

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and you're out there going uhhuh welcome

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Stan it's coming. I understand that.

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What I'm saying is this is a great topic

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because we can take the lifetime income

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guarantees of social securityities and

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annuity, social security and annuities

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and combine it with other income

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producing type retirement choices and

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you can go live a good life and be a

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better investor. When that income floor

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is in place and you still want to have

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some money in the markets, you're going

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to be a better investor. Why? Because

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you don't have to disrupt your

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investments if the markets get volatile.

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You can just you've got your income

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floor. You're going to ride it out,

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which is what you should. I encourage

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you to go to my site, theanuityman.com.

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You can download books. You can sign up

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for my live event. You can watch my

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daily video that I put out every day.

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You can sign up for my Saturday

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newsletter. You can book a call. You can

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email me. You can do all those things.

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But the one thing I want you to do, and

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I just did a video on it, it's spinning

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up there. You'll see it appear on my new

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calculators. And my new calculators

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allow you to run quotes

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anonymously. We don't ask for your name.

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We don't ask for your email. And we

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don't ask for your phone number. Gender,

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date of birth, state of residence, and

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then you get the same quotes available.

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Period. We're the only ones doing that

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for now. Everyone else is going to have

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to do that. They still play games and

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want you to sign up and create an

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account and all that stuff. No, no, no.

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Go get your information. I'm not a data

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company. I'm the number one annuity

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agent in the c in the country that wants

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you to be a client. Has nothing to do

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with data. I'm not going to sell any

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information like these other people do.

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not going to do that. And that's what

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they do. A lot of them take your

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information and sell it. It's profitable

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for them. Would never do that. I hate

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going to sites and having to give away

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my personal information. So, finally, I

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was at the board meeting recently about

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two months ago. I said, "Guess what? I

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own the company. I'm glad you're on the

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board, but we're doing this." And

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they're like, "Oh, no. Let's let's let's

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grab the data." I'm like, "Screw you.

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We're going in this direction. My

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instincts tell me this is right." You

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know what else we're doing? Virtual

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Stanley. AI Stanley. I know they're kind

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of preparing for my death. You can go to

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our site, type in questions, and

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really good smart guys. They started a

8:50
company there from MIT and they took all

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my videos and all my books and all my

8:53
400 articles and they put it all in a

8:55
big AI soup and when you type it in,

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boom, it comes back at you. That's

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pretty cool. All right, consider working

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with us. We're open 12 hours a day,

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Monday through Friday, eight hours on

9:06
Saturday. Everybody in my office is

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licensed in all 50 states and not on

9:10
commission. It's unique. We're

9:12
different, but we're different for a

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reason. Because it's the right thing to

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do. My name is Stan the Annuity Man.