MYGA-2-SPIA…Income Rider…or DIA?: 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 in

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all 50 states and Puerto Rico. Founder

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of CGO contractual guarantees only. You

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own an annuity for what it will do, not

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what it might do. I encourage you go to

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my site at stand theanuityman.com or

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theanuityman.com. Both will get you

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there and you can download books, run

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anonymous quotes, uh talk to Virtual

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Stanley 24/7 365, fill out applications.

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If you find a quote that you like and

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you want to lock in, you can do those

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applications 24/7 365 or you can utilize

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the best staff in the business here in

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Las Vegas, Nevada. Today's topic is Ma

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Despia

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income writer or DIA rhymes. I know

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you're saying Stan, you're so catchy.

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Madpia, income writer, income writer or

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DIA. I guess in the south you might call

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it a income r income writer or dia.

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So when you speak with us, we're going

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to ask you two questions. Period. Every

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single person. First question, what do

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you want the money to contractually do?

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And second questions, when do you want

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the those contractual guarantees to

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start? Again, what do you want the money

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to contractually do? When do you want

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those contractual guarantees to start?

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Remember, annuities solve for four

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things. Acronym is pill. P stands for

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principal protection. I stands for

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income for life. L stands for legacy.

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and the other L stands for long-term

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care. But let's go back to the two

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questions. Let's just say, what do you

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want the money to contractually do? And

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you say lifetime income. Okay, follow-up

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questions. When do you want that

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lifetime income to start? And you say

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down the road, two years, three years,

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four years, 5 years, six years,

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whatever, 10 years. Down the road,

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you're down to three choices.

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Period. Three. Not one. Not Johnny Apple

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Seed Asian going, "Well, sir, you're

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gonna get it. You have to get one of

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these in index annuities with an upfront

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bonus.

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[sighs] There's other choices, of

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course. So, let's go through them. Let's

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go through Johnny Apples Seed Agents one

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because that's the one you're going to

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hear first and that's the one you're

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going to call me about because it sounds

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too good to be true. And that's the one

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I'm going to walk you off the cliff and

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say, "Please do not listen to that

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garbage."

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Income writers are a contractual

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guarantee for lifetime income that ride

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and get it income writer ride on top of

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a policy. You can attach them to to a

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couple of policies like a variable

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annuity or an indexed annuity. But an

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index annuity provides the we found

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provides the highest contractual

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guaranteed income writer amount.

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Draw a line down a blank sheet of paper.

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This side's the index side right here.

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Non-g guaranteed returns. bad CD. We

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don't care. We don't care. We don't

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care. What we care about is on this

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side. That's the income writer

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contractual guarantee.

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So, one of the quotes you're going to

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get is an income writer quote. A+ or

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better. No exceptions. No exceptions. Do

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not bottom fish for lifetime income. A+

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or better. And the highest number. We're

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going to quote all A+ carriers for that

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highest number. We could care less about

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the logo, the name of the product, or

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the whoever the the carrier is. A+ or

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better, highest income writer number.

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That's an income writer.

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The second way is a deferred income

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annuity. It's a it's a single premium

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immediate annuity that you defer. Once

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you're past a year, an immediate annuity

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turns into a deferred income annuity.

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And just to throw another wrench in the

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engine, a qualified longevity annuity

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contract is a deferred income annuity.

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They can you can only use in a in an

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IRA. Get it? Q qualified. But a deferred

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income annuity is once again a lifetime

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income stream that can start in the

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future. You can defer it for as long as

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you want. It's a pension. There's no

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moving parts. There's no annual fees.

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There's no market attachments. The big

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boys play there. The A+ companies play

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there. So again, you're looking for

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income to start at a later date.

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Deferred income annuity. That's a great

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choice. And we're going to show you that

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choice because we have to.

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We're not going to steer you to a

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product.

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The reason that everybody's trying to

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sell you an income writer with ind index

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annuity is the highest commission

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product on the planet. Doesn't make it a

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bad product, but you have to show the

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others. You have to explain the others.

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The third way to do what I call income

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later is what I what I have deemed and

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created called MA to SPIA. A multi-year

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guarantee annuity. MA is the annuity

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industry's version of a CD. I call it an

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annuity bond.

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You're buying a piece of paper. You're

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buying a guarantee from a life insurance

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company. They're guaranteeing you an

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interest rate for a specific period of

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time.

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So, MA got a SPIA. The SPIA is an

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immediate annuity. Let me give you an

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example of how that works. Hey Stan, I

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want income to start in five years,

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but I'm really not sure I want to do

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that. But I want I want to have the

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ability to do that.

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Okay, let's buy a five-year MA. you're

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going to know exactly what that

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compounding interest rate is going to be

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for those 5 years. And at the end of the

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5 years, we can then shop for the

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highest contractual guaranteed immediate

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annuity at that time and then transfer

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that money non-t taxable event to the

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immediate annuity.

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And that can be done in nonirra, IRA and

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Roth IRA.

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Deferred income annuities can be done in

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nonirra, IRA, Roth IRA. If it's in IRA,

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the deferred income annuity becomes a

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CQAC. It's one and the same.

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Income writer, you can do it in nonirra,

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IRA, Roth IRA. All of these products,

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all of these strategies, all of these

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contractual guarantees can be used in

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every single account type. Can it be

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used in a Roth? Yes. Can it be used in

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IRA? Yes. Can I roll my for 401k into

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it? Yes. Can use my checking account

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money? Yes.

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The guarantees are the same. The

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taxation of the money coming out would

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be different,

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right?

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Taxation of the money of a traditional

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IRA coming out of a traditional IRA is

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going to be different than a Roth.

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Common sense.

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So, you're going to have to tell us or

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if you're on the site, you can run the

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quotes. Just put in what type of account

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it is.

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But when you're looking for income

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later, there's three choices. Maispia,

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income writer, or DIA. again MA to SPIA

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income writer income writer or DIA

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and and

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this the qu that that statement and that

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fact and those three solutions the

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question that you're always going to ask

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me and and if anyone says they have the

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answer they're full of crap Dan which is

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the best one of those three which is the

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best one there's the That's one. It

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comes down to what you're trying to

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solve for. It comes down to if you want

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to lock in the g the uh the lifetime

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income now at a future date. MPIA,

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you're not sure, but you can dia an

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income writer. You're locking it in for

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a future date. And that that locked in

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future income is to the penny and it's

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going to happen and it's contractual.

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You got to think of all three. We got to

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discuss all three. If you go to my site,

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you schedule a call, we'll go over all

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three. What you can't run is a future

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immediate annuity quote, right? No. But

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you can run a a deferred income annuity

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quote, defer it for whatever time you

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want, and know exactly to the penny what

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it's going to be. You can run an income

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writer quote, defer it as long as you

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want, know to the penny what it's going

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to be.

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The only one of those three choices

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remember madpia income writer and dia

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the only one that has a fee income

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writer and that fee is taken out of the

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index side so that it's a net

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transaction to you. It does not

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interrupt or lower the income guarantee.

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It's it's really that simple. It is

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simple. the industry and the agents

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trying to push this stuff that don't do

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it like I do make it so darn difficult

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and muddy. And I think they do that for

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a reason.

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If you just remember this, when you're

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looking for for income, if you just look

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at the contractual guarantees, you're

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going to be fine. Once you say, "What

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what's the potential return on an index

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annuity?" Then you're a fool. You're an

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idiot. and someone's going to sell you

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the dream and you're going to end up

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owning the contractual realities and and

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eventually that side of the ledger is

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going to get cleaned up by somebody I

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hope.

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But income later, do you need income to

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start at a future date? Then there's

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three choices. Modia,

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income writer, DIA. And of course, I've

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done videos on all of those. If you go

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to my YouTube channel, you can just type

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into the space bar, the search bar,

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migpia. There's videos on it. Income

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writers, there's videos on it. I've done

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comparison videos on all of all of

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these.

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But just do not allow someone to steer

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you to one product that they go, well,

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you know, I've looked at all of them and

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this is the best one. Full of crap.

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These people are full of crap.

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And I'm hoping that they'll be wiped off

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the board from the standpoint of them

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being in the business in the near future

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because

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sites like mine that's 247 365. Sites

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like mine that allow you to run quotes

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anonymously and get the same quote.

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Sites like mine that you could fill out

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an application 247 365.

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Sites like mine that give you an option

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to talk to real people

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or use technology. Either or. We are the

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leader in annuity innovation. But it's

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all customer driven. You I'm always

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looking at how what would I want? If I

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was going to come by an annuity, what

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would I want? I would want to not give

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up my personal information until

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application time. We want you as a

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client at then that point you have to.

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But not until then. I'm going to keep my

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powder dry. I'd want options. I'd want

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to be able to do the application myself.

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I'd want to talk if I want to talk to

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Stan himself. I want to talk to Stan

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himself. Or there's a virtual Stanley.

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I'll just ask virtual Stanley.

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So what we've done is we've given you

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choices

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but at the end the buck stops with me. I

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own the company. So if you want to talk

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with me you can but income later mispia

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income writer dia. My name is Stan the

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annuity man. That's shooting it straight

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with Stan. I'll see you next time.