How To Use Annuities For Inflation

0:00
Hi there, Stan the Annuity Man,

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

0:03
50 states in Puerto Rico, founder of CGO

0:06
Contractual Guarantees Only. You own

0:07
annuities for what they will do, not

0:10
what they might do. Today's topic is a

0:13
big one, a good one, a truthful one, and

0:15
one that you need to know about. How to

0:18
use annuities to address inflation. Oh

0:24
my gosh, damn. What am I going to do

0:25
about inflation? Inflation. Inflation.

0:27
Hyperinflation. Inflation. fed

0:29
inflation. I've got the answer after

0:32
this.

0:36
[music]

0:39
So inflation is always the gorilla in

0:42
the room. Everybody's worried about it.

0:44
Even the people that have tens of

0:46
millions of dollars will call me and go,

0:47
"What are we going to do about

0:48
inflation, Stan? I just don't know what

0:50
I'm gonna do. You got $10 million, Fred.

0:53
You're okay." All right. Most of the

0:56
people don't like you, Fred. They have

0:58
to actually look at inflation. The

1:00
problem in the annuity world is that

1:04
people will try to sell you their

1:07
product

1:08
for their strategy for inflation.

1:12
Listen to me.

1:14
There are no products that magically

1:17
adjust for inflation that the annuity

1:20
companies price it in your favor.

1:23
Period.

1:25
End of story. give you an example. So,

1:28
immediate annuities, deferred income

1:31
annuities, you can attach what's called

1:32
a cost of living adjustment. A cost of

1:35
living adjustment is a percentage that

1:38
you choose at the time of application

1:40
that you want the income to grow by. And

1:41
you're like, man, I'm going to tell you

1:42
right now, son, that sounds as good as

1:44
peach cobbler right there. That's good

1:46
right there. Let's do that one. Hold on,

1:48
Fred.

1:50
The annuity company doesn't give that

1:51
away. So you say, "Okay, Stan, I want it

1:53
to increase by 3% every single year."

1:58
All the annuity company does is they

2:00
severely lower the payment to make up

2:02
for that increase. B right there. That's

2:06
the disparity just visually for people

2:09
driving down the road in your

2:10
Lamborghini. I got one hand at my

2:12
eyeball and one hand at my belly button.

2:15
All right? takes about seven to 10 year

2:17
break even point to make up for the COLA

2:21
with this exact same annuity without the

2:24
COLA. All right, does that make sense to

2:27
everybody? They don't give it away. Life

2:29
insurance companies have the big

2:31
buildings for a reason. Let's get to the

2:33
RIAS and variables and index annuities,

2:35
the potential hypothetical theoretical

2:38
back tested unicorns chasing the

2:40
butterfly returns that seem to never

2:42
work out. Those also don't address don't

2:46
address inflation. I don't care what

2:49
someone tells you. I don't care the

2:52
non-g guaranteed proposal hypothetical

2:55
someone shows you. Great. Who cares?

2:58
Doesn't matter. All right. Well, let me

3:01
tell you something. That boy down the

3:02
road, boy down the road, you know, he's

3:05
a he's son of a good friend of mine,

3:07
golfing buddy. He said he had this index

3:09
annuity son that uh you know, when the

3:11
index went up, the uh income went up.

3:13
That sounded pretty good to me. Yeah,

3:15
great. Okay. That's like the peach

3:17
cobbler that's that you lose weight on

3:19
when you eat it. It doesn't exist.

3:23
It doesn't exist. Again,

3:28
there's no annuity products that adjust

3:31
for inflation and magically, you know,

3:34
just floats and hits it right on the

3:36
nugget. So, I know what you're saying,

3:38
Stan the Annuity Man, America's annuity

3:40
agent liced in all 50 states of Puerto

3:42
Rico. founder CGO. You're right. You own

3:44
a new for what it will do, not not what

3:46
it might do. What do you do? What do you

3:49
suggest being in the business three

3:51
decades? Here it is.

3:54
Inflation is personal. Give an example.

3:58
My two daughters, my lovely two

4:00
daughters, I think they're 30 and 28.

4:02
They're old. Oh, is what I'm talking

4:04
about. Out of the house, which is the

4:06
most important part. [snorts] Um,

4:08
they're not going to dance classes

4:09
anymore. We're not buying milk and

4:11
cereal and all that jazz. Okay? So that

4:14
that part of inflation doesn't affect me

4:17
and my and the [snorts] queen Christine.

4:19
That's what we call her, the queen. So

4:21
it might affect you differently. So

4:23
let's just say you've had you've got an

4:25
income floor, social security, pension

4:27
if you're so fortunate, dividend,

4:29
stocks. Okay, you got all of that.

4:31
You've added a lifetime income annuity

4:34
and it's let's just say it's $6,000 a

4:36
month. and you say, "You know what?

4:39
Me and the MS need about another 750,

4:42
son, to make it [sighs] work. What are

4:44
you gonna do for me?" That's how we do

4:47
it. At the time you need the gap filled,

4:50
we run a single premium immediate

4:52
annuity quote reverse engineered. What

4:55
does that mean, Stan? Solving for the

4:58
750 using the least amount of money with

5:01
an A+ or better carrier. You solve for

5:05
inflation when inflation hits. You don't

5:07
solve for inflation and throw a magic

5:10
dart at it and the guy gets a big

5:12
commission saying, "It's gonna adjust,

5:14
son. I've seen it done." Yep. No, no,

5:17
no, no.

5:19
Be smarter than that. Ann there's

5:21
there's not an annuity company that's

5:23
figured out how to how to price a

5:26
product in your favor. In your favor.

5:30
That's key. To address inflation. What

5:34
happens with hyperinflation stand? We

5:35
buy a bigger SPIA son. That's what we

5:38
do. People say, "Well, you know, these

5:41
annuity payments, they're static. You I

5:43
want something to increase, son. I want

5:45
a CPIU on that sucker." Consumer price

5:48
index for urban consumers is what that

5:51
means. Those haven't been in the

5:53
business. Check the check the date. They

5:55
haven't been available for five, six

5:56
years.

5:58
The only thing available is the COLA,

6:00
which actually does increase

6:02
contractually, but they hammer you for

6:04
it mathematically. And then the mythical

6:07
index annuity pitch where the index

6:09
increases. You better increase on that,

6:11
too. Yeah, right. Okay. Sure.

6:15
Inflation's always going to be here. In

6:18
inflation is something we're always

6:19
going to have to address.

6:22
My hope is that you can address it with

6:25
lifetime income annuities as part of

6:27
your income floor, maybe migas and

6:29
peeling off the interest when you need

6:30
it to address inflation. That's a more

6:34
rational approach. And everything we do

6:35
is rational. There's no hopes and

6:37
dreams. I'm selling contractual

6:40
realities. Why? You're buying

6:41
contractual realities. We start there

6:44
and we finish there. So don't don't fall

6:47
for any bad sales pitch on inflation.

6:51
You just heard the only way to do it.

6:54
The only way to do it is with a reverse

6:58
engineer quote solving for that gap at

7:00
the time you need it using a single

7:02
premium immediate annuity A+ or better.

7:05
But here here's the better part of this

7:07
thought when I I'm always hammering put

7:10
in the income floor. Put in the income

7:11
floor. Put in the guaranteed income

7:13
that's hitting your bank account every

7:14
single time and go invest the rest or do

7:17
whatever you do.

7:19
That part also can address inflation.

7:22
It's not all the back of the of

7:24
annuities. And remember, you can't go

7:26
all in with annuities. The only person

7:28
that can go allin with annuities is me

7:30
because I can't sue myself. But the rest

7:33
of you, 50 to 60% tops legally.

7:38
Legally. Did I say that? Legally. Okay.

7:43
Do me a favor. Go to my site,

7:45
theanuityman.com.

7:47
Run quotes. download my free owners

7:49
manuals. I'm write, you know, in the

7:51
future, I'm writing the annuity

7:54
manifesto 2. The annuity manifesto one

7:56
was groundbreaking. Annuity Stanifesto 2

7:59
is going to be it's going to be brutal.

8:02
I'm going to tell you, it's going to be

8:03
so truthful. People are going to love

8:05
it. Um, my office is in Las Vegas,

8:08
Nevada. We have the most staff in the

8:09
business. I don't do that because I want

8:11
to pay salary. I do that because I want

8:13
to take care of you. Everybody is on

8:15
commission. Not on commission. They're

8:17
licensed in all 50 states, but they're

8:19
not on commission. Their incentive is to

8:21
help you and get your your policies

8:24
across the finish line and keep up with

8:26
them. So, I'd encourage you to engage

8:28
with us and give us a shot if you're

8:31
thinking about annuities. One last

8:32
thing, above my head, there's a spinning

8:34
clock. You're saying, "Stan, that's

8:35
incredible. How'd you do that?" I don't

8:37
know. I got a lot of smart people around

8:39
me, but there's a video there that

8:42
people are loving. So, I want you to

8:44
love it. I want you to love it. And it's

8:47
what's better than anu an annuity in

8:49
retirement. You're going [snorts] what

8:52
you Scooby-Doo.

8:55
Yes, there are things that are be that

8:57
are better and I go over how annuities

8:59
fit in retirement and how they don't fit

9:01
and the non-anuity side of it as well.

9:03
It's like my grandfather said to tell

9:05
the truth, you don't have to remember

9:06
anything.

9:08
Right. Right. My name is Stan the

9:12
Annuity Man.

9:14
I'll see you next time.