Real Market Growth Has No Surrender Charges: Shootin’ It Straight With Stan

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Welcome to Shooting Straight with Stan.

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I'm your host Stan the Annuity Man.

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America's annuity agent licensed in all

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50 states in Puerto Rico. The founder of

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CGO, which is contractual guarantees

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only. Annuities should be owned for what

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they will do, not what they might do.

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Got it? No hypotheticals, no

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theoreticals, no projected, no little,

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you know, chart up on the wall at the

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bad steak dinner seminar. Today's topic

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is a good one. Real market growth has no

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surrender charges.

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I want you to I want you to just kind of

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let that one sink a little bit. Real

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market growth has no surrender charges.

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This is a direct shot at all of the

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annuity product pushers out there that

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are like, you can get market upside with

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no downside. You can get you can get

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market participation with principal

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protection and an upfront bonus. Those

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goofballs.

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They're just burning through clients.

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So when you hear that, and I always tell

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people, go go to the go to the seminar,

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swallow the food, not the pitch. My mom

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in St. Augustine, Florida, goes to three

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or four now every week, you know, just

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they're thank you agent people for

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feeding her, you know. But when someone

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pitches you something and says, "Yeah,

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[clears throat] you know, if you'd have

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owned this uh seven, eight, nine years

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or seven, eight, nine years, you'd have

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gotten 7% 10% 11% 13%."

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Just go, it's got to go over your head

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and you got to go, I got a question.

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Yes. Does this growth product that

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you're pushing, does it have surrender

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charges to it? And if they say yes,

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don't buy it.

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I'm the only one saying that out here

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and I am correct. The industry hates

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that, but I am correct. You buy an

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annuity for contractual guarantees. When

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you get an annuity, I don't care what

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type. Even if it's those great growth

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products, you're going to get a policy

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in the mail. What's a policy? Stand good

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question. It's a contract.

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Don't buy the dream because you're going

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to own the contractual realities of a

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polic of the policy. I had a call

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yesterday. Jim and bought and I love I I

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I don't how know how this happens.

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Johnny Apple Seed agent sold three of

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the same index annuities in three

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different accounts. I said, "Well, how

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how's it going? How's how's the

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returns?" He said, "Just like you said,

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just a bad CD." Uh-huh. I'm not I mean,

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the upside of a of a index annuity is

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it's principal protected. The upside of

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an index annuity and how we use them

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efficiently and properly is as a

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delivery system for income writer

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guarantees. Draw a line down a blank

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sheet of paper.

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Index annuity over here. Income writer

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over here. That's the contractual

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guarantee. That's all we're looking at.

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Don't talk to me about that over there.

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La doesn't matter. This is all we're

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looking at.

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Let's go further. I I used to be, you

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know, with Morgan Stanley, Dean,

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Woodpane, wherever UBS. Even on that

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side, even on that side of the ledger,

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real market growth does not have

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surrender charges. You say, "Well, Dan,

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aren't you just throwing the mutual fund

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industry under the bus?" Mutual funds,

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playoffs, mutual funds.

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How about ETFs? How about stocks? How

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about stuff that has 100% liquidity and

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100% upside? That's market growth.

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Well, then, you know, I I kind of want

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to I kind of want to limit the risk and,

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you know, this old boy down the road so

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I can buffer it and shield it and all

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kinds of stuff.

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Oh my god.

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If it sounds too good to be true, it is

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every single time without exceptions

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with annuities. Listen to me now. I get

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a lot of hate mail and I you you have no

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idea from the industry. My comment to

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that is agents and advisors that are

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sending me hate mail after hate mail and

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going on all social. We're on 10 social

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media platforms and we dominate everyone

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because I have a genius behind the

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scenes that does the social media for me

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and can I consult with him all the time.

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He's in in my office. He's one of one of

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the TAM employees. But man, people in

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the industry spend a lot of time hating

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on me. And I'm going, are y'all not like

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working? What do you like? Who's got

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time? I guess they're trying to bait me

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into a conversation. [laughter]

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Good luck. I'm not going to waste time

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with you. If you're an agent or adviser,

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and you shouldn't be watching this. You

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should be working.

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These videos are done for the consumer,

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not the industry. I'm doing this for the

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person that is considering an annuity

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and that has been that's been pushed and

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pressured into buying hopes and dreams

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and unicorns chasing the butterflies and

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the proposal numbers look good and

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they're going to give me an upfront

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bonus. Dan,

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upfront bonus is candy for the stupid.

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It's like going to a car dealership and

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buying a car for the stereo system.

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There's not there's a hundred pennies in

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the dollar. An upfront bonus is part of

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the overall contractual guarantee. So

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when we look at income writers, if you

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answer the two questions I asked, what

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do you want the money to contractually

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do? And you say lif lifetime income.

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When do you want those contractual

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guarantees to start? And you said seven

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years, six years, whatever. And we quote

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income writers and DAS, deferred income

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annuities. We quote income writers. I

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could care less about the index annuity.

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It's just delivering the income writer

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guarantee.

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And the upfront bonus is just part of

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the contractual guarantee. Spoiler

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alert, most annuities

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with income writers that offer upfront

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bonuses don't have the highest payout

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contractually. They're literally shiny

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things for stupid people.

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And agents love it. Well, I got this one

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here, boy. 50% off bonus. Who cares?

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Who cares? Who cares?

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Stock market growth, real market growth

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has nothing to do with annuities. Zero.

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Annuities are contracts. They're

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transfer risk contracts. They solve for

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four things. The acronyms PI pill. P

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stands for principal protection. I

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stands for income for life. L stands for

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legacy. The other L stands for long-term

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care. There's no G for growth. There's

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no M for market. There's no S for stock.

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There's no B for Bitcoin.

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You You're a better investor to put the

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guarantees in place and then go invest.

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Not in annuities, non-anuities.

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Draw a line down blank sheet of paper.

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Annuity contractual guarantees only.

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Non-anuities for growth. Annuities for

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contractual guarantees only. nonanuities

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for growth. If you just remember that,

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this video is gold for you.

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Now, what I've done recently is I've

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changed my website up. It's pretty cool.

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I'm on there. Got like these shades on,

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aviator shades. We have some fun with

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it. [snorts]

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But the game changer is this. You can

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run quotes 247 365. And we do not ask

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for any personal information. You don't

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have to you don't have to sign up to for

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to create an account or whatever. You

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just get the quotes.

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If you're like me, you're concerned

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about privacy. If you're like me, you're

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concerned about all of that. The hackers

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of the world, old people like me, just

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scary.

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Well, because of that, I wanted to put

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zero barriers up on the site. And we do

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that. You can get quotes like for

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instance on a lifetime income quote. We

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just need your gender, your state of

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residence, and your date of birth if

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it's joint dates of birth. And from

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there, you can fill in the rest

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anonymously and get a real quote with

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real company names.

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I don't know how much that's going to

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cost me because I, you know, that I have

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to pay for that. I'm okay with that.

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I've budgeted for that. But the numbers

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are gargantuan.

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but it allows you to run the quotes and

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not worry about it.

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Now, you can go to my site also and

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download books. You're going to have to

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give us your email address for that. Or

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if you want to sign up for our live

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events, you'll have to give us your

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email address for that. And if you book

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a call

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and want to get down and dirty and hear

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the truth, obviously we'll need your

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phone number because I'm going to call

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you at the time that you schedule. But

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to run quotes and get information and

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get real solid numbers contractually,

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that's anonymous. You can do it

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anonymously

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and we are the only ones and we will

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always be the only ones. There's no one

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going to do that because everyone's

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like, "Well, let's collect their data.

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Let's collect their data and then let's

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email into them and let's email market

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into them. Then let's crossell into

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them." Screw all that.

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I'm here to flip the industry upside

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down. I'm here to change it. I'm here to

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make annuities

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the I mean right now annuitities somehow

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is the f-word. How's it the f- word?

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We have a monopoly on lifetime income.

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How how is that possible? I'm going to

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change that.

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So remember,

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real market growth, real stock market

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participation

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has no surrender charges, no exceptions.

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Are we clear? Do not buy the dream

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because you're going to own the

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contractual realities. Please go to my

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site, download the book, schedule call

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with me, run quotes anonymously, email

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me stantheanuityman.com.

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That's shooting it straight with Stan

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and I was on target today. My name is

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Stan the annuity man. See you next time.