Retirement Annuity Contract Guaranteed Annuity Rates

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Retirement annuity contracts with guaranteed annuity rates. That's fantastic. I love

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that combination of words because it really encompasses what we do at the Annuity Man.

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Hi there. I'm Stan the Annuity Man, America's annuity agent, licensed in all 50 states and

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Puerto Rico, and actually the founder of Contractual Guarantees Only, which is what

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we're talking about right here — the contractual guarantees for retirement. And locking in

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those annuity rates for retirement is very, very important and very, very timely at this date,

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if you look at the date of this filming. I'm getting ready to tell you something that

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you probably — when I tell you, you're going to smack your head and go, "Yeah, that makes sense."

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But I need you to realize that it's happening right now. We'll talk about that after this.

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So, if you're looking for a retirement annuity and getting guaranteed rates,

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that's fantastic. First of all, the fact that that's what you're looking for,

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you're thinking about annuities correctly. Annuities are contracts. They're contracts

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between you and the issuing life insurance company that issues the annuities. Life

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insurance companies issue annuities. Annuities are transfer-of-risk strategies,

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okay? They're contracts, but yes, they are also transfer-of-risk strategies.

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You're transferring the risk to the annuity company to solve primarily for four things.

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The acronym is PILL: principal protection, income for life, legacy, and long-term care. If you do

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not need to solve for one or more of those items, you do not need an annuity. Period.

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Do not buy an annuity for growth. Do not buy an annuity for stock market returns.

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Do not buy an annuity for hypotheticals, theoreticals,

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projections, back-tested numbers, unicorns, chasing the butterflies,

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or you're going to be sorely disappointed and feel like an idiot after a couple of years of

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owning that product. You buy it solely for the contractual guarantees of that policy.

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Now, because you're looking for that and those best guaranteed rates for retirement,

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you need to ask two questions. What do you want the money to

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contractually do? And when do you want those contractual guarantees to start?

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Now, most people — the 14,000 people who turn 65 every single day — most

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are looking for primarily two things: the P and the I, which is principal

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protection or income for life. And a lot of you are looking for income for life.

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So, income for life — what's interesting right now, and I kind of teased it a little bit

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in the intro, is because artificial intelligence is changing everything.

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The question that I get all of the time is how is artificial intelligence changing

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the annuity industry? Okay, it hasn't yet, but it's getting ready to. And here's how.

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The way it's getting ready to is artificial intelligence is

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shortening the span of time for medical breakthroughs. In fact,

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I read an article the other day—in the next five years, there might not be any surgeons.

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All surgery will be done by AI, which is crazy to think that. I mean, it's that fast.

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But what's going to happen with life expectancy tables? So,

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they're going to have medical breakthroughs, which means we're going to live longer,

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in combination with the GLP-1s that are making people skinnier, which means the life expectancy

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tables are going to expand and be longer, which means the guaranteed payments will be lower.

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So this is not a sales pitch, okay? This is fact. The life expectancy

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tables right now are a bargain. They're an absolute bargain because they're looking

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at your life expectancy to be 84, 86, or whatever, depending on the annuity company.

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What happens if artificial intelligence figures out some forms of cancer? What

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happens then? It goes to 92 or 95 or whatever. What if this keeps going?

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I don't know. Who knows? I think I've put too many miles on my body. You know,

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I'm gonna — I'm just gonna fall in a big heap one day. And that's okay. It's been a fun ride.

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But the point is, we have to prepare our clients

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for that eventuality of AI affecting the business. Alright? And it's going to.

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So, you know, when you're looking for that retirement annuity,

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you're looking possibly for lifetime income, this is a good time to look. This is a good time to go

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to my site at theannuityman.com and run quotes. You can run quotes to your heart's content. I pay

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for every one of them. Run them. Run them. Run them. I don't care. Run every scenario you want.

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You can also schedule a free consultation with my team. I view every case. I oversee

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every single case — thousands and thousands and thousands and thousands. But that's

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what I do. That's what I do, okay? I want to make sure that you're making a good decision.

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But it's a good time to start looking at lifetime income, creating your own pension,

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because only 9% of us work for an employer that provides a pension. So you're going to

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have to create your own pension. You're going to have to create your own income

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floor in combination with the annuities that you already own, Social Security, annuity,

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RMDs from your IRAs — annuity-type payment because you have to take it annually.

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Whatever that income floor is, if you need to add to that — and

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most people do — that's where we come in because we represent all

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carriers and we're looking for the highest contractual guarantees for your situation.

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For lifetime income, it's A+ or better. A+ or better — you don't need a sweater. Just remember

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that. Do that because you're going to remember it. A+ or better for lifetime income because what

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happens if I'm right — which I am — about AI and life expectancy tables change and you live for a long

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time, 110 or 112? Then you have to have a company that's solid enough to back up those claims.

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You can't bottom-fish for lifetime income. You know, yeah, a minus company or B plus

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company might have a higher guarantee, but we're not playing around here,

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okay? You don't get a mulligan, a do-over in retirement. We need to choose the huge companies.

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And don't say, what happens when they go out of—they're not. The A+ or A++

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companies are not going out of business. And if they do, hug your loved ones. Or,

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as Crosby, Stills, and Nash said, love the one you're with. I think it was them.

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Anyway, the point is, you're looking at the right thing. You were looking for guarantees.

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You're combining guarantees with retirement. How do you do that? How

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do you get that consistent paycheck, you know, just like Social Security? How do

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you get that pension paycheck that's coming in every month? Lifetime income annuities.

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Now, you say, "What's the ROI on that?" I don't know. I don't know the ROI until

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you die. Up until then, it's a pure transfer of risk. I have thousands

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and thousands and thousands of clients that have outlived their life expectancy

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but are still getting paid by the annuity company because they're on the hook to pay.

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It's funny. No one ever asked, "Well, what's the return on investment on Social Security?" No one

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ever asked that. They just love the payments. I love those payments. Well, I love me some Social

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Security, but I hate annuities. Okay, hypocrite much? Seriously, come on, man. Same thing.

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Difference is Social Security is political, not actuarial. Okay, think about it.

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But do you need that extra? Do you need a Social Security-type payment

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in addition to the Social Security-type payment you're getting? I'm going to say

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yes because you can live better. Stop threading the needle. Stop trying to

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save every little penny. Enjoy your money while you still feel good.

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Listen to me. Listen to me.

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Every single one of you out there knows of someone in your circle that didn't do that,

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that accumulated a lot of money, and then got sick and they died, and they never, ever enjoyed it.

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I joke with my friends all the time. I say, "Listen,

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fly first class or your kids will." They will, and you know they will.

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Do me a favor. Above my head is a video that I did about Contractual Guarantees Only,

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which frames this company as what we do. We recommend only the contractual

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guarantees. You own an annuity for what it will do, not what it might do.

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Anyone showing you anything other than the contractual guarantees,

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they're not focused in on what annuities do. They're contracts. Buy the contractual guarantee.

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That's an important video for you to understand what drives

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us and why I'm so passionate about CGO, Contractual Guarantees Only.

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Alright? Hey, that was a good conversation. See you next time.