Retirement Annuity Contract Retirement Age

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Retirement annuity contract retirement

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age. Such a consultant topic and I'm

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surrounded by consultants and bodyguards

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as you know. Hello, my name is Stan the

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Annuity Man. America's annuity agent

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licensed in all 50 states in Puerto

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Rico. Founder of CGO contractual

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guarantees only. You own an annuity for

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what it will do, not what it might do.

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Never buy an annuity for none guaranteed

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return scenarios. Buy for the

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contractual guarantees. We're going to

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talk about this little funky title and

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really kind of specifically focus on the

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age part of it after this.

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[music]

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So, let's break it into two parts.

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Retirement annuity contract.

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Yes, all annuity types, and there's many

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types. You can count anywhere from eight

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to 10, however you want to count them.

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Um, they're all contracts.

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Life insurance companies issue annuities

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and they're policies and those policies

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are also called contracts. So you buy

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them for the contractual guarantees of

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the policy. Now there's four items and

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four goals that annuities contractually

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solve for. That acronym is 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. And the other L stands for

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long-term care. The other unique thing

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that I do is I only ask two questions.

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What do you want the money to

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contractually do? And when do you want

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those contractual guarantees to start?

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From those two answers, I can determine

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a if you need an annuity and if so,

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which one is going to solve for the goal

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that you've laid out and provide the

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highest contractual guarantee, i.e.

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retirement annuity contract.

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But let's get to the age part. The age

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part is the most important part about

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what we're talking about today. If

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you're a youngster out there in your 30s

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and 20s, 30s and 40s, I'm going to

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encourage you to just stay in the

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markets, do market growth, okay? If you

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want to discuss and argue with me,

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please just go to my site, schedule a

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call, and I'll hear your specific

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situation. I think out of probably a

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thousand youngster smart people I've

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talked to, I think there might be five

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that have convinced me that their

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situation is unique. Think about that.

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thousand and only five. So if you're 40

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and below, you really need market

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growth. You really don't need to

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structure anything for annuities again

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99.9% of the time. Once you hit age 50,

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I think you need to start learning how

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to spell annuity and and start

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understanding what they are and the fact

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that they're just not one product that

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everyone hates. They solve for things.

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They're contracts. The question is, is

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it too young in your 50s to look at

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annuities? I I don't think it's too

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young to look at them. It might be too

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young to purchase them, but that's a

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conversation that we need to have. Now,

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once you get to 55, 56, 57, you see the

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finish line. The finish line's right

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there,

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then we probably need to start talking

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about it. Especially when you're going

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into your 60s and social security is a

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choice, retirement is a choice, etc.

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That's when annuities

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should be considered.

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Most people are looking at annuities for

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lifetime income because the companies

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they work with only provided a 401k.

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They didn't provide the lifetime income

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choice. And lifetime income, like all

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annuities, like all annuity uh types,

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they're commodities. You shop them off

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for the highest contractual guarantees

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on the planet. We happen to have a site

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that does that at theanuityman.com. And

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you can run those quotes anonymously.

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You don't have to put in your name, your

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email, or your phone. just just your uh

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gender, state of residence, and date of

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birth. That's important. We'll talk

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about that in a second, but it's

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important for me to provide that to you

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so that you can quote and not worry

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about bots or hackers. Or, by the way,

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if you go to other sites and sign up,

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they're selling your they're selling

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your information. A lot of them are.

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$150 to $300 is the going rate for your

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name. If you sign up and give them your

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name, your email address, and your phone

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number, you want to do that. I don't

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want to I don't want you to do that.

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That's the reason we changed our site.

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We were previously, you know, asked for

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that, but we didn't care about it. And I

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finally was at a board meeting. I'm

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like, why are we doing that? I hate

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that. I hate when I go to a site and I

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have to put in my name and I don't want

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to do that. Well, no one's ever done

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that before, Stan. Perfect. That's the

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answer I'm looking for. No one's ever

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done it before. Everything I do out

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here, no one's ever done before.

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Anonymous quoting, contractual

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guarantees only. I'm the only one. Not

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for long.

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We're number one for a reason. Is

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because not because we're contrarian is

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this is the way it should be done. So

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retirement age um the or the specific

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specific retirement annuities and then

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we're talking about ages.

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That's the younger side of the scale. So

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55ish you kind of need to get serious.

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But on the other end of the scale, a lot

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of these companies don't issue a lot of

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the products past age 85 or 90. There's

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only one product that can be purchased

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and that is a single premium immediate

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annuity if you need it. If I determine

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that you need it, if it's suitable and

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appropriate and in your best interest.

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But my question to the 85 year olds, the

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90 year olds is what? Again, whether

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you're 55 or 85, I'm ask the same

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question. What are you trying to

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achieve? What's your goal? What are you

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trying to do?

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Don't just say, "Well, I just want the

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best annuity." Boy, if you say that's

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some idiot's going to sell you crap. You

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need to get granular. You need to get

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specific with your request. Here's what

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I'm trying to do, Stan. I'm trying to do

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legacy or I'm trying to do income or I

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want to protect the principal. Be

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specific. If you ask general questions

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to a general agent, they're going to

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sell you a general piece of crap.

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Annuities are commodity products.

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Annuity should be shopped with all

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carriers for the highest contractual

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guarantee for your situation. It's that

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simple.

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So, retirement annuity contract. Yeah,

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they're all contracts. And a retirement

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annuity could be a speed, qac, income

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writer, MIGA, whatever. But never buy a

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retirement annuity contract

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for non-g guaranteed returns,

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hypotheticals, theoreticals. Never buy

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an annuity for growth. Now, I said this

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the other day and I got a lot of

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blowback. Market growth doesn't have

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surrender charges.

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Market growth doesn't have surrender

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charges.

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Hello.

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So, when someone tells you some too good

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to be true product, just say, "Wait a

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minute. Does that have a surrender

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charge on it?" Oh, yeah. 10-year

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surrender charge. Okay. Goodbye. Have a

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nice day.

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Market growth is market growth. market

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growth has nothing to do with annuities.

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Some for some reason the annuity

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industry is fixated on it. I got my

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theories on that. So, if you're watching

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this and you saw some big mess up or

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whatever, that was a huge lightning

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strike that affected us all. But we keep

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moving. We keep going. But the

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interruption was a little

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unearthing as they say. But getting back

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to the topic, you know, we're talking

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about retirement annuities and the ages.

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You know, you can be too young and you

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can be too old. But those are those are

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items that I need to talk to you about.

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Okay? If you're between 55 and 85, quote

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away. But before that, and after that,

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we probably need to have a conversation.

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All right? I encourage you to go to my

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site at theanuityman.com.

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Um, you can download books. You can sign

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up for my Saturday newsletter which is

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always fun because my insights is short

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and sweet but I I typically have

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something unique. Um also too you can

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run quotes anonymously as I said and you

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can uh interact and chat and ask

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questions to virtual Stanley. There is a

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virtual me on the site which is kind of

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cool. Um so you know tell us what you

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think about that. I mean, obviously,

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we're improving that, but what we took

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is that we took the 2,000 videos and the

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and video per day and just feed it into

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the engine uh of the smart guys from MIT

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who started their own company and now

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run the virtual Stanley side of the

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annuity man. It's pretty cool. Hey, I

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did a video um spinning clock above me

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on on our quote system, which is unique.

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How to run quotes, how to use the

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calculators. The cool part about what we

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do, which is unique, is that you only

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have to put in your your gender, your

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state of residence, or your date of

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birth or income type quotes. No name

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needed, no email needed, no phone

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needed. Okay? We are the only ones to do

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that in the country. I'm proud of that.

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You know, we're setting the bar. That's

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just what we're doing. But yeah, any

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type of age questions when it comes to

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annuities, you know, I need to talk to

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you about it. You know, there are some

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situations where uh like children with

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special needs needs an annuity and

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they're younger. We can work with that.

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Those are called structured settlements.

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But the bottom line is interact with me.

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Stanthetheranuityman.com.

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I want to be your agent. So give me a

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shot at it. Listen, see you next time.

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My name is Stan the nudity