I’m Your Annuity Life Coach & Annuity Oncologist: Fun With Annuities

In this solo episode, Stan The Annuity Man breaks down how to buy annuities the right way and why his no-data, real-time quote platform is changing the industry.
In this episode, The Annuity Man discuss:
- Annuities as contractual guarantees, not hypothetical growth
- The “annuity life coach” and “annuity oncologist” mindset
- Anonymous, real-time quoting for SPIAs, DIAs, MYGAs, QLACs, and Income Riders
- Professional boundaries and no-pressure, no-outbound model
- Direct-to-consumer mission and cleaning up annuity industry “charlatans”
Key Takeaways:
- Annuities should only be purchased for what they are contractually guaranteed to do, not for hypothetical or illustrated returns.
- A truly client-focused advisor is willing to say “you’re putting too much into this annuity” or “you might not need this product right now.”
- Providing real-time, anonymous quotes empowers consumers to explore annuity options without fear of being chased by salespeople.
- Financial advisors should maintain professional distance rather than trying to be friends, golfing buddies, or entertainers.
- Transforming the annuity industry requires radical transparency, direct-to-consumer access, and a zero-tolerance stance on misleading, high-pressure sales tactics.
"You don't need a friend. You don't need a golfing buddy, and you don't need a meal purchased for you. You need someone telling you the truth." — Stan The Annuity Man
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FUN WITH ANNUITIES (r)
0:00
Welcome to Fun with Annuities. I'm your
0:02
host, Stan, the Annuity Man, America's
0:03
annuity agent, licensed in all 50 states
0:05
in Puerto Rico, the founder of
0:07
Contractual Guarantees Only, which means
0:09
that you only buy an annuity for what it
0:13
will do, not what it might do. Never
0:15
ever buy annuities of any type for
0:18
potential or hypothetical or theoretical
0:20
growth. Buy them for the contractual
0:22
guarantees. They solve for four things:
0:24
principal protection, income for life,
0:26
legacy, and long-term care. Today's
0:28
topic is kind of a fun one. But it might
0:29
make you mad, but that's okay. Um, it's
0:32
I'm your annuity life coach and annuity
0:35
oncologist. You're saying, Stan,
0:38
do you even know what oncologist means?
0:40
Yes. I'm a melanoma survivor, 25 years.
0:44
So, oncologist means cancer.
0:47
Okay. When you work with me and my team,
0:51
we're not going to sugarcoat anything.
0:53
We're not going to hype anything. We're
0:55
not going to high pressure anything.
0:57
It's not going to sound too good to be
0:59
true because we're going to tell you the
1:00
facts because if you tell the truth, you
1:02
don't have to remember anything, which
1:03
is our business model,
1:06
but I'm going to be your life coach. A
1:08
lot of times I'm going to tell you, hey,
1:10
that's way too much money you're putting
1:12
into an annuity. Or, hey, you might want
1:15
to look at this structure, or hey,
1:17
here's the benefits and the limitations
1:19
of that strategy instead of just too
1:22
good to be true nonsense.
1:25
Now, the annuity oncologist hit me the
1:28
other day. Some somebody was on the
1:31
phone with me and they're like, "You're
1:33
as tough as a cancer doctor." And I'm
1:34
like, "Well, yeah."
1:38
For those of you that have gone through
1:39
the cancer thing like I have. Um, and
1:42
you know, it makes you appreciate every
1:44
day. You don't want your cancer doctor
1:47
to kind of walk in and say, "Hey, how
1:49
you doing? Hey, you want you want to
1:51
play some golf?" You know, duh. how the
1:54
kids. No, a good annuity, a good
1:58
oncologist, cancer doctor walks in and
2:00
goes, "You got cancer. Here's our
2:02
options. Here's the good. Here's the
2:04
bad. Here's the here's my prognosis."
2:08
You want an You want a cancer doctor to
2:11
get to the point, tell you the truth so
2:13
you can make a good decision. I am the
2:16
annuity cancer doctor. Some people call
2:18
me the walking middle finger of annuity
2:20
truth, but I am your annuity cancer
2:23
doctor. I'm going to tell you if someone
2:26
sold you a piece of crap annuity. I'm
2:28
going to tell you if someone's trying to
2:30
sell you a piece of crap annuity.
2:33
I'm going to tell you the truth whether
2:36
you like it or not, whether you like me
2:38
or not.
2:41
Your financial advisor should never be
2:43
your friend. Your financial advisor
2:45
should never be family. Your financial
2:48
advisor should be your financial
2:50
advisor. If it's an annuity advisor, I
2:53
don't care if you went and played golf.
2:55
I don't care if your team won the
2:56
football game. My job is to tell you the
2:59
truth about these products, good and
3:02
bad, benefits and limitations. My job is
3:05
to provide you the best quotation system
3:08
on the planet
3:10
where you can quote 247 365. We just did
3:13
a website change. Check the date. You
3:16
know, if it's five years from now, you
3:17
go, "Well, it looks like the same
3:18
website." But the point is my decision
3:21
was gamechanging. You can get real time
3:25
quotes for SPAS, DAS, MAS, QAX, income
3:29
writers without putting in any personal
3:32
information. We don't want your name. We
3:35
don't want your email. We don't want
3:36
your your phone number. All you have to
3:39
do is put in your your date of birth if
3:42
it's an income quote or dates of birth
3:44
if it's joint, the state of residence,
3:47
and what type of account it's in. That's
3:50
not data collecting. That's giving you
3:52
the information.
3:54
And we already were leading the quotes
3:56
in the country, but when we flipped that
3:58
switch, 10 times the amount of quotes.
4:00
I'm just like you. Why would I want to
4:02
put my personal information? I don't
4:04
want people to call me or email me and
4:06
bother me or sell my lead or sell my
4:08
name as a lead. That's not us. That's
4:11
not us. If you want to sign up for my
4:14
books, you have to give us your email
4:16
address so we can send you the PDFs. If
4:18
you want to sign up for my live events,
4:20
you got to give us your email address so
4:21
we can send you the link.
4:25
If you want to if you want to schedule a
4:27
call with us, hopefully you get me. You
4:29
got to give us your phone number so I
4:31
can call you. But there's no outbound
4:32
phone calls.
4:38
From an annuity life coach standpoint,
4:42
a lot of what I'm doing and what I love
4:44
and I really enjoy doing is looking at
4:46
your entire situation and making sure
4:49
everything's taken care of. If you want
4:51
to take care of your beneficiaries upon
4:53
death, I'll tell you how to do that. If
4:54
you want to take care of your spouse,
4:56
I'll tell you how to do that.
4:59
I'm a grandfather. I've got two
5:01
daughters, 28 and 30 at the time of this
5:03
taping. And the lovely Christine, the
5:05
queen prop,
5:07
wears the crown. The queen of 38 years.
5:12
I'll tell you how to take care of them.
5:13
I'll tell you what we do personally.
5:14
I'll be transparent. I'll be an annuity
5:17
oncologist.
5:23
When you're making decisions on your
5:25
retirement and you're considering
5:27
annuities, you don't need a friend. You
5:29
don't need a golfing buddy. And you
5:31
don't need a meal purchase for you. You
5:33
need someone telling you the truth.
5:38
You need someone that has the guts and
5:41
the fortitude to tell you that maybe you
5:43
don't need to buy the annuity right now.
5:48
Maybe it's not the right time.
5:51
You have you need to have someone that's
5:52
going to tell you the truth that yeah,
5:54
the the other the other person told you
5:57
this, but I'm the annuity oncologist. It
6:00
doesn't work like that.
6:04
You're buying a problem.
6:07
I am on a mission to change this
6:10
industry. I will change this industry. I
6:12
have changed this industry. But we're
6:15
just getting started
6:18
with this new website and the fact that
6:19
people can quote 24/7 365 and not give
6:23
away their information and get real
6:25
quotes with real companies live
6:27
contractual guarantees.
6:31
Bring it. Bring it on.
6:38
And we're growing by leaps and bounds
6:40
because we tell the truth. because we we
6:42
see ourselves as a annuity life coach. I
6:45
see myself as a new annuity life coach.
6:47
I see myself as an annuity oncologist.
6:50
Having had an oncologist walk into my
6:53
hospital room 25 years ago and say, "You
6:56
have a melanoma and it ain't good, son.
7:00
We're going to have to take a big chunk
7:01
out of your back left leg and you're
7:03
going to have a scar and hopefully it
7:05
doesn't spread." Fortunately, it hasn't.
7:10
But I didn't need him to come in and and
7:12
Hey, how you doing? I saw where you
7:13
played college basketball and I saw
7:15
where you I don't need that crap. Do I
7:17
have cancer? I do. I not Hey, Stan. Do I
7:20
need an annuity or do I not need one?
7:22
Hey, Stan, is this true what this person
7:24
showed me down the road or is it crap?
7:34
We want you as a client,
7:38
but we want you as a client to come in
7:41
here and be prepared to hear the truth
7:45
and be prepared to hear the facts and
7:49
understand that you're going to make
7:51
your decision on your terms and on your
7:55
time frame. Not a hammer looking for a
7:57
nail. Nobody in my office is a hammer
7:59
looking for a nail. They're all
8:00
licensed, but they're not on commission.
8:05
My receptionist is licensed in all 50
8:07
states because legally you have to be to
8:11
talk to people across the country.
8:21
We are direct to consumer. We are the
8:22
biggest direct to consumer all the in
8:24
the country. Someone said in the
8:26
industry person said the other day, well
8:28
Stan the annuity man, the annuity man is
8:30
not direct to consumer. Direct to
8:32
consumer in the insurance industry means
8:34
that it's coming direct from the
8:35
carrier.
8:38
Bull crap.
8:40
My qu my question to that person was,
8:43
is Amazon direct to consumer? Well,
8:46
yeah, of course. Do they manufacture
8:48
everything? Well, no. Okay, great. That
8:52
we're direct to consumer. We don't meet
8:54
you face to face. We don't need to
8:57
sugarcoat anything because we're selling
8:59
contractual guarantees. They either fit
9:01
or they do not.
9:04
So, I look at what I do. I'm your
9:08
annuity life coach. I'm your annuity
9:10
oncologist. And if you get offended by
9:12
ancologist, email me
9:14
stantheanuityman.com
9:16
and I'll show you the scar on the back
9:17
of my leg from the melanoma. So, get
9:19
over yourself. You know what I'm trying
9:21
to say?
9:23
It's a bunch of darn charlatans out
9:24
there trying to sell annuity crap and
9:27
I'm not going to allow it much longer.
9:29
I'm going to squash it like a bug. I'm
9:31
the wet blanket of annuity truth on all
9:34
of that nonsense. It's going to be game
9:36
over quickly in the next two to three
9:39
years.
9:42
Go to my website, download the books,
9:44
schedule a call, email me, run quotes
9:47
247 365 anonymously and get real quotes.
9:52
Not a bad deal. My name is Stan the
9:55
annuity man.
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