The Best Kind of Money Is Guaranteed Money: Shootin’ It Straight With Stan

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Welcome to Shooting It Straight with

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Stan. I am your host Stan the Annuity

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Man, a marriage annuity agent licensed

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in all 50 states, top independent agent

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in the world and the tallest and the

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pioneer of CGO, which is contractual

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guarantees only. That's how we approach

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all of this. Okay, now the top the topic

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of the day is a good one. I don't know

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where I heard it. And Zeke's behind the

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camera. We love Zeke. Um Zeke, I don't

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remember where I heard it. It might have

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been a movie. It might have been a rap

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song because you know, Zeke, I'm big in

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the rap right now. I'm big in the old

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school rap. And and the topic is the

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best kind of money is guaranteed money.

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The in my world, the best kind of money

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is contractual guaranteed money.

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Think about it. I know you're saying,

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"Well, how's that apply to Bitcoin,

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son?" I don't know. Okay? I don't We're

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not talking about crypto. We're talking

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about contractual guaranteed money.

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And with annuities, that's all you you

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should be looking at is the contractual

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guarantees of the policy. Wait a minute,

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Stan. Some guy told me the other day and

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he's talking about market upside, no

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downside, and market participation.

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Well, that's garbage. Okay? You buy an

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annuity for what it will do, not what it

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might do. You do not buy an annuity for

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market growth. You do not buy an annuity

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for stock market returns. You do not buy

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an annuity for any of that. If you want

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that type of growth, don't buy an

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annuity. Annuities are transfer risk

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products. You're transferring the risk

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to solve for four things. The acronym is

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pill, principal protection, income for

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life, legacy, long-term care.

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Transferring the risk to the to the

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issuing annuity company to solve for

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those four things. Okay? You don't

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transfer the risk for market returns. I

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always said if it sounds too good to be

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true, it is every single time. Well,

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this guy showed me this back tested

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numbers that you know if you owned it 10

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years ago, you got 8% every year, 9%

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every year. Come on now. If it sounds

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too good to be true, it is every single

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time without exception. If something

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like that existed, that's all Goldman

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Sachs would buy. That's all Warren

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Buffett and his company would buy.

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They're not buying that because it

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doesn't exist. If it sounds too good to

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be true, it is every single time. And

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for no reason should you buy an annuity

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for an upfront bonus. I call upfront

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bonuses candy for the stupid. Because if

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you think some philanthropist annuity

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company wakes up and goes,

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"You know what? Um, I want to give money

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away today because I love the American

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public. No, no, no, no, no, no. I'm the

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only one that can make wear a make

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annuities great again hat. That's our

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mega. Okay. Make annuities great again.

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But there's nobody giving money away.

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Okay. So, contra the best kind of money

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is contractual guaranteed money, right?

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It is especially when you go into

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chapter two of your life because you've

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been working, you've been working,

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you've been trying to thread the needle,

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pay the bills, pay the college thing. I

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mean, the whole thing, chapter two, is

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about you. It's about contractual

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guarantees. It's either about, let's

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just say, hey, I don't need a lifetime

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income stream, but let I just want to

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protect the principle and just peel off

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interest rates. Well, that's a

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multi-year guarantee annuity, the

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annuity industry version of a CD. Go to

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my site at theanuityman.com. You can see

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all the the best um rates in the country

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for your specific state where you're

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living in. And we're licensed in all 50

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states, so we can help you. And oh, by

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the way, everybody in the building in my

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in my home office, they are all licensed

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in all 50 states, but they're not on

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commission. They're not hammers looking

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for nails. Their bonus is based on

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client satisfaction.

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And we have we have ways to do that

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using AI because we're techy like that.

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But we'll get to the AI in another in in

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just a another part of this video. All

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right? But the best type of money is

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contractual guaranteed money.

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Contractual guarantees for principal

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protection, contractual guarantees for

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income for life, contractual guarantees

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for legacy, contractual guarantees for

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long-term care.

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That's chapter two. And chapter two is

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about your income floor. So, let's go

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over the annuities you already own.

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What? Own an annuity? Yeah. Social

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Security, best inflation annuity on the

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planet because it's not actuarial. It's

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political. And oh, by the way, I'm not

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political. I'm contractual. I need to

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start, Zeke. I need to start the

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contractual guarantees only party.

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Actually, I kind of have involuntarily,

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Zeke, and maybe we need to run for

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office, maybe for president in the 28th

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cycle under the CGO banner. And it would

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be good because I would say, "Hey, you

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already love Social Security." And if

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any politician ever tries to touch it,

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they get voted out of office and

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threatened to be killed by the voters,

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meaning the people that are receiving

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Social Security.

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Social Security is guaranteed money.

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What else is guaranteed money? Your

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required minimum distributions coming

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out of your IRA. That's guaranteed to be

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coming out of your IRA. Why? because the

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IRS is tapping you on the shoulder and

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going, "Hey, um yeah, hey, um that money

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in the IRA that's been deferring all

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this time, whether you need it or not,

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you're going to take it out and we're

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going to tax it." I'm speaking that's

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IRS tone. That's that's an annuity. If

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you have a pension, if you're so

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fortunate to be one of the nine% of the

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workers out there that has a pension,

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work for a state or government or

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military or uh or I guess a um a union

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that supply, I mean, that's a pension.

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Okay, so those are all pensions. And

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then you might have dividend stocks. You

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might have preferred stocks that stick

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and all stuff. You might have, you know,

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treasuries and munis and CDs and money

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markets that create interest. That's all

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part of your income floor. That's all

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guaranteed money. Contractual guaranteed

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money. Best type of money is guaranteed

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money. Yes. And that's not a rap song.

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That's your song for chapter two of your

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life.

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Here's another thing about contractual

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guarantees when it comes to annuities.

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Annuitities

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are commodity products. There's not one

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company's better than the other. What's

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your best annuities, Dan? The answer is

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it's the is the one that solves for your

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specific situation and provides the

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highest contractual guarantee with a

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solid, highly rated company. We only ask

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two questions. What do you want the

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money to contractually do? When do you

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want those contractual guarantees to

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start? And from those two questions, we

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can determine one, if you even need an

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annuity, and then two, if you do, what

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type? What do you want the money to

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contractually do? When do you want the

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contractual guarantees to start? There's

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no hypothetical. And if you call up and

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say, well, all I'm really looking for is

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a reasonable rate of return. All I'm

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really looking for is six-pack abs and

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not having to do a setup. Come on now,

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be specific. Not Pacific. Pacific is

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where Zeke's from in Hawaii. That's an

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ocean. Don't be Pacific. Um I mean or be

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Pacific, right, Zeke? I don't know. The

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point is don't don't come to us with

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like grandio 30,000 foot. Well, I'd

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really like to kind of have it all,

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Stan. It doesn't exist.

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But someone will show it to you. Someone

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will try to sell it to you, but

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contractually it doesn't exist in a

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guaranteed money world. It doesn't

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exist. But lifetime income exists in a

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guaranteed money world. And and that's

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changed the game a little bit here

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recently with mwah. That's French for

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me. When it comes to lifetime income,

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artificial intelligence, okay, is

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shortening the medical breakthroughs,

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which is going to lengthen the the life

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expectancy tables. In addition to that,

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the GOP ones, the stab yourself and get

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thin, stab, thin, stab, thin. I'm

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thinking, what if I just do this all

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day? I guess I die, but I get really

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thin quick. The point is, people are

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going to live longer. They're going to

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be thinner, etc., etc. The annuity

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companies are salivating. just just spit

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run. They need a spatoon spit and oh

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here it comes. Why are they why are they

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salivating? Is because life expectancy

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tables are going to be longer which

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means that the payments will be lower

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because the payments that are projected

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will be more.

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It's that simple. But right now where

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you know the the best kind of money is

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contractual money. Okay, if that's the

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case, then you need to be locking in the

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contractual guarantees of lifetime

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income because right now they're a

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bargain. The actuary tables are in your

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favor, not the annuity company's favor

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in my opinion. And of course, I'm right

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because I'm Stan the annuity man and

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this is what I do and I live it and I

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wear logo gear that says annuity. Who

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would do that? Who would walk through an

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airport like that? I would. I'm proud of

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this is great stuff here. Well, I hate

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all annuity stand. Okay, well then call

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social security and cancel the payment

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because if you don't, you're a

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hypocrite. Well, I hate all annuities,

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Stan. Well, then call the bank, cancel

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the CDs, cash it in because there's

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annuity CDs called multi-year guarantee

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annuities. Well, I hate all annuities,

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Stan. Well, then call your pension and

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say, "Quit sending me the payments

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because I'm not going to be a hypocrite

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because that's an annuity payment." And

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I just told Stan the annuity man, that I

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hate all annuities. Well, I hate all

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annuity stamp because when you die,

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insurance keeps the money. Wrong. Please

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don't say that out loud. Please don't

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please don't expose yourself to that

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level of stupidity. And if someone's at

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a cocktail party and you're sitting

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there with a drink and it's probably

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like a like a what's it like a Jim Beam

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and Coke or something like or a Jack and

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Coke. Let's just say it's a Jack and

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Coke. I don't drink. I'm 19 years sober,

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but I can say that. I can talk to Z or

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something, right? But you're sitting

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there and the guy across from you goes,

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"I'd never buy an annuity because

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insurance keeps money when you die."

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Throw it in his face or her face. Just

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throw it. And then tell him that I told

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you to do it because that's the dumbest

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thing on the planet. And the fact that

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that still proliferates out there in

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society. Well, I'm buying this.

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[sighs and gasps] Yes, you can do that.

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If you hate your beneficiaries, you can

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set it up life only. And that's okay.

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it. Well, it's probably not okay, Zeke,

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if they hate their beneficiaries. But

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the point is, you can do that. But

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99.99999999999

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of the lifetime income guarantees that

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we put in place are you're going to live

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forever, but when you die, whatever's

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left in the account goes 100% of your

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beneficiaries. And the evil annuity

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company never keeps a penny. Now, for

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lifetime income, we're A+ or better. A+

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or better. You don't need a sweater,

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Zeke. That's what I'm saying. Zeke's

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from Hawaii. He doesn't even own a

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sweater. But the point is, A+ or better.

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You got to be quality because with AI

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changing the game a little bit and

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you're going to live longer, you got to

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make sure that carrier can pay the

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claim. Got a call the other day, guys.

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Well, this B-rated company B++ has a

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higher income guarantee than your A++.

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I'm like, you think you you really you

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think, come on, man. I mean, this this

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isn't you. There's no mulligans in

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annuities. There's no mulligans with

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guaranteed money. You can't say, "Well,

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that was a mistake." [ __ ] I need my

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money back. I hit that ball in the

10:51
water. I'm going to put one more on the

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tea. There's no putting one more on the

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tea player in the lifetime income

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annuity world. So, to wrap this thing up

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in a nice bow, the best kind of money is

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contractual guaranteed money. But, as

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the rappers say, the best kind of money

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is guaranteed money. The best kind of

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money is guaranteed money. The best kind

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of money is guaranteed money. that's

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going to stick in your head and you're

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going to cuss me out later, but that's

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okay because I'm getting my point

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through. The best kind of money is

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contractual guaranteed money. That is

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shooting it straight with Stan.

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See you next time.