It’s Time to Consider a Respirator Annuity: Shootin’ It Straight With Stan

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Welcome to Shooting It Straight with

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Stan. I'm your host, Stan the Annuity

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Man. America's annuity agent, licensed

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in all 50 states, top independent agent

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in the country. Some even call me the

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tallest annuity [laughter] agent in the

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country, and I am the innovator of

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contractual guarantees only. Approach to

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annuities, CGO,

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contractual guarantees only. Today's

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topic is a very unique one that only I

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could come up with. It's It's time to

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consider a respirator annuity. Yes,

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respirator. That's what I'm talking

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about. You say, "Wait, wait a minute,

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Stan. Is there such a thing as a

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respirator annuities?" Like, there's

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SPAS, DAS, QAX, FAS, respirators. Well,

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not really. But let's talk about

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respirators for a second. Respirators

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sounds pretty cool if you think about

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it. Break the word down. It's when

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you're laying in the bed. is like sh

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and they're helping you breathe. Now,

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why are you saying this? Are you morbid?

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Did someone in your in your family die?

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Are they in the hospital recently?

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Actually, yes. My mother-in-law based

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out of Nebraska, which isn't the end of

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the world, but you can see it from

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there. That's not true. Actually, my I

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think actually Nebraska is pretty cool.

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That sand hills area where they live.

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Um, but that was a good joke. I guess

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you could say that about every part of

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the country. Hey, North Carol, rural

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North Carolina. Ain't the end of the

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world, but you can see it from there. I

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mean, I'm from rural North Carolina, but

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she's been going in and out of

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hospitals, etc. And when you walk in to

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visit her, you you see people on

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respirators. And it hit me going, I

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wonder if that, you know, of course me,

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you know, I wonder if that person has an

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immediate annuity payout for lifetime

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income. Because if they do, and the

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respirators keeping the breathing,

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there's not a clause in the annuity

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contract that says, well, it's as long

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as you're breathing unless you're on a

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respirator. So my comment to that is and

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I don't I don't want to be the guinea

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pig for that and if you want to if you

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want to say Stan I'll be the guinea pig

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for that then that's cool we'll talk

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about it is let's just say you go into a

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you have an immediate annuity and it's

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been paying and it's been paying and

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it's been paying it's been paying and

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it's life with cash refund meaning that

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if you die tomorrow whatever whatever

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money is left in the account goes 100%

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the bit to the beneficiaries and the

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evil annuity company doesn't give a

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penny but let's just say just for

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conversation sake you're laying in the

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bed and you having trouble breathing and

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they have you on a respirator and the

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doctor walks in and goes uh uh I'm Dr.

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Johnson. Um you know I got my degree

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from Harvard and I'm just you know I'm

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sorry to say that that 47 years of

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smoking those lung darts [snorts] those

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uh you know camel no filters has taken

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its toll on your lungs and uh we're

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going to have to keep you on a

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respirator andor oxygen uh from here but

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for now when you're in here we're going

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to put you on a respirator. Okay. And

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then you go into a coma. I know what

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you're saying, Stan. Mr. Positivity, I

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get it. But you're in a coma. You have

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the respirator on and the immediate

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annuity still pays. And you're in a coma

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and you're in a coma for 10 years and

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you're in a coma for 20 years.

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Respirator is still keeping you alive.

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Annuity keeps paying. So when I say I

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don't know what the ROI is until you

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die, return on investment until you die.

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I'm being serious with lifetime income

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products like single premium immediate

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annuities, deferred income annuities,

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qualified longevity annuity contracts,

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or income writers. Those are the four

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ways for lifetime income guarantees,

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meaning it's going to pay as long as

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you're breathing. Now, the annuity

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companies, annuities are issued by life

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insurance companies, and life insurance

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companies have the big buildings because

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they know we're going to die. But what

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the actuaries hadn't fa factored in to

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their um I guess when they put the pen

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to the paper and they go, "Well, I think

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they're going to die like right here."

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And they kind of know when we're going

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to die, but they haven't factored in the

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respirator.

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Okay. So, let's just say that you have

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this immediate annuity. You're on a

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respirator. You go in the comment, the

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respirator is keeping you alive. The

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annuity is going to pay even if there's

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no money in the account.

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And you can use any type of account. You

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use nonirra, IRA, Roth IRA. Doesn't

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matter. Well, the only thing that

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matters the taxation of the money coming

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out. But let's just say you you bought

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that immediate annuity, your respirator

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annuity. Didn't know it was, but you

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probably need to put in your bed. This

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this Martha, I'm going to tell you

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something right now. This could be a

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respirator annuity. She's going to be

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like, "What?" Um, smacks you. But I mean

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if you if it's if you are on that

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respirator and you have drawn that

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account down to zero, it's going to

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continue to pay. All lifetime income

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from all lifetime income products as DSQ

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likes income writers is a combination of

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return of principal plus interest. Okay?

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So you're getting your money back with

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interest. It's drawing it down. If

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there's any Johnny Apple Seed agents

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going, "My annuity will pay you for

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life." And and let me just tell you

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something right now, son. It's going to

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it's you know the the growth going to

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offset the income full of crapola. Okay.

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Or if you have the the life insurance

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salesman go, "Well, my index universal

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life, that's taxfree income, son." No,

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that's a loan. Okay? That's a that's not

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even income. That's a loan. So, you're

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getting your money back with interest on

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lifetime income annuities, transfer of

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risk. They're going to pay. So, and you

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draw it down to zero, they're still

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going to pay. Yes, you're going to pay

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taxes on the amount that they're still

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paying, but they're drawing it off of

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zero. Now that if you're that person on

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the respirator getting the annuity

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payment, I mean, you're the unicorn.

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You're the person that the actuary at

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the annuity company isn't factoring in

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like the actuary sitting in in their

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office, you know, click and they got all

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these screens and they actually they

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have like an abacus and and so they're

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just like ch I don't even know what an

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abacus is. Anyway, so they're Zeke's

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behind the camera. So you just they're

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figuring it out, figuring out and they

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got a knock on the door. Knock knock

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knock. Come on in. Uh yeah, hi John. Um,

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yeah. Oh, sir, that's a C. You're the

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CEO of the annuity company. Yes, John.

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Um, what's with Freddy Jones here, who

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we've been paying for 49 years. Is

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Freddy not, is he dead? Well, sir, um um

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from what we know and we, you know, it's

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we can't really dig that much. He's on a

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respirator, sir. It's really sad. And

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see, he's go I don't give a crap. Do you

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know how much we paid on his initial in

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initial premium? And you know, the

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actuary is like, "Yeah, it's it's a

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pretty good ROI,

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even if he died tomorrow." Uh, yeah, but

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but sir, that's that's contractual. I

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know it's contractual. And so the CEO

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storms out, there's nothing the CEO can

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do. There's nothing the actual can do.

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Okay. Your family who's sitting around

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your bed going, "Yeah, hey, did the uh

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you because you can't hear. You're in a

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coma and you're on respirator." They're

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like sitting there going, "Hey, [snorts]

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uh, did that annuity payment hit again?"

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and and you and your sister goes, "Yeah,

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it did. Yeah, it did. I got some new

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shoes." The point is, think of

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annuities, respirator annuities, because

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

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breathing. Even if you need help

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breathing, even if the machine is

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helping you breathe,

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that's that's the value proposition of

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lifetime income. And to add a little bit

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more to that, at the time of this

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taping, maybe five years from now, you

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you see this, you go, "Man, this already

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happened, son. What are you talking

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about? Look at the date. Okay. A date to

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publish.

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Artificial intelligence. Now the annuity

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ban artificial intelligence means actual

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individuals. But artificial intelligence

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is going to shorten the the medical

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breakthroughs which is going to lengthen

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life expectancy tables which means

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payments are going to go lower. So at

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the time of this taping, if you're

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considering lifetime income, it's a

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bargain. It's an absolute bargain. If

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you've already bought the lifetime

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income, you've already locked in the

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bargain cuz eventually because that's I

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heard the other day Zeke Zeke's the

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Zeke's the he's from Hawaii. I mean,

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he's so laid-back, man. Sometimes he's

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so laidback he takes a nap, doesn't know

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it. I mean, that's when you know you're

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laidback, right? His blood pressure is

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like 80 over 70 or something like that.

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Okay, so no, I digress, Zeke. I think I

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lost train of thought. But the point is

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this, okay? You're transferring risk to

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companies to pay you for life. the the

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life expectancy tables are in your

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favor. Now, it's a bargain to lock it

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in. Or if if you say, "Well, I won't do

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that right now." Lock a portion of it

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in. You're going to thank me because

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eventually AI is going to shorten life

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expectancy tables. The GLP1 stab you in

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stab you right here and lose weight.

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Stab, lose, stab. That I don't know if

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you can see that, Zeke. I think you can.

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But the point is that's going to that's

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going to lengthen out life expectancies.

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You're going to live longer. You're

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going to be skinnier. But that's all

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link. The life expectancy tables will be

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longer which means the payments

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projected will be more which means those

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payments will be lower which means you

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need to look at it now. You need to look

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at your respirator annuity whatever form

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be a DQ like income writer now because

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you could be on that respirator and if

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you are that income's going to pay. I

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encourage you to go to my site

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theanuityman.com.

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You can run quotes to your heart's

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content on all of those lifetime income

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products. You can schedule a call, free

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consultation with my team of experts who

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are all licensed in all 50 states but

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are not on commission. So they're not

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hammers looking for nails. And you can

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also email me at Stan. So Stan at the

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annuity man. And I will actually

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respond. I did this the other day. Video

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came out. I got 473 emails. I responded

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to every single one. Took a few days. My

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hands are kind of got a carpal tunnel

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thing going on, but I will respond to

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you because I still own the company at

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the time of this taping. Um, and I don't

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know. I don't know, Zeke. I guess what

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happens when I die? I guess if I don't

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respond, that means I'm dead. So, I'm

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going to respond. Um, that's my

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strategy. Death is not a good strategy

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because you can only use it once. But

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think about that. But think about this,

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too. Respirator annuities. I'm creating

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a new category as only Stan the Annuity

9:56
Man, thought leader, number one agent in

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the country. Sells more annuities than

9:59
anybody. I can do that because I know

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this back and forth. I live it. I

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immerse myself, Zeke, into the annuity

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world, the contractual guarantee world.

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You own an annuity for what it will do,

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not what it might do. Remember that.

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Hey, my name is Stan the Annuity Man,

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wearing the Stan the Annuity Man logo

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everywhere. That's shooting it straight.

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See you next time.