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

September 1, 2026
9 min
I’m Your Annuity Life Coach & Annuity Oncologist: Fun With Annuities
The Annuity Man®
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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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