Virtual Stanley & Anonymous Annuity Quotes: Shootin’ It Straight With Stan

October 11, 2026
•
10 min
Virtual Stanley & Anonymous Annuity Quotes: Shootin’ It Straight With Stan
The Annuity Man®
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Can an annuity truly keep up with inflation—or is that just a sales pitch? Stan challenges common claims about COLAs and indexed annuities, and explains his approach to covering a specific income shortfall when it arises.

In this episode, The Annuity Man discussed:
- Annuity COLAs and reduced starting payments
- Social Security’s cost-of-living adjustment
- Indexed annuities and income riders
- Personal inflation and income gaps
- Reverse-engineering quotes for needed income

Key Takeaways:
- A lifetime-income increase through an annuity COLA comes with a lower initial payment.
- A rising index does not necessarily mean an indexed annuity will deliver market returns or higher income.
- Inflation affects people differently, so a general-purpose solution may not match an individual’s needs.
- One approach discussed is to calculate the amount needed to fill a specific income gap and price an annuity for that amount.
- Evaluate annuities by their contractual guarantees, not by hypothetical returns or sales promises.

"Never buy an annuity for hypothetical, theoretical, backtested, promised returns." — Stan The Annuity Man

Watch and Enjoy,
Stan The Annuity Man

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0:00
Welcome to shooting it straight with

0:01
Stan. I'm your host Stan the Annuity

0:02
Man, America's annuity agent, licensed

0:04
in all 50 states in Puerto Rico, founder

0:05
of CGO. Contractual guarantees only,

0:07
which means that you you own an annuity

0:10
for what it will do, not what it might

0:11
do. You own it for the contractual

0:13
guarantees of the policy. Never buy an

0:15
annuity for hypothetical, theoretical,

0:17
backtested, hopeful, promised agent

0:20
returns. Never do that. Never buy an

0:22
annuity for market growth. Period. You

0:24
buy them for the contractual guarantees

0:26
only of the policy. And there's only

0:28
four things that annuities solve for.

0:29
The acronyms pill. P stands for

0:31
principal protection. I stands for

0:32
income for life. L stands for legacy.

0:35
Other L stands for longterm care pill.

0:38
Today's topic is a really good one. I'm

0:40
proud to even be able to give this

0:43
because give this topic because it's

0:45
it's called virtual Stanley and

0:48
anonymous annuity quotes. Sounds like a

0:50
band. Yeah. Ver ladies and gentlemen.

0:52
Virtual Stanley and Anonymous annuity

0:53
quotes.

0:55
cha. Okay.

0:58
[snorts] But it's bigger than that and

0:59
it's more fun than that. It's more

1:00
impactful for that than that and it's

1:02
more gamechanging than that. Virtual

1:05
Stanley I'm proud to announce is now on

1:08
my site. If you go to my site at

1:10
theanuityman.com and you go in the the

1:12
bottom right hand corner, you're going

1:14
to see a car character of Mwah, little

1:16
cartoon figure of me wearing the red

1:18
sweatsuit.

1:20
Click that. When you click that, you're

1:22
going to be able to ask Virtual Stanley

1:24
anything 24/7 365. And where Virtual

1:28
Stanley got all of his answers, 2,000 of

1:30
my videos, seven of my books, over 400

1:34
of my articles were fed into the Virtual

1:36
Stanley AI bot, I guess, for what black

1:39
lack of a better phrase. We are the only

1:42
ones that could ever do this because I

1:43
have the most content out there. And

1:46
it's real content. It's not like a

1:47
brochure. That's No, it's me. It's it's

1:50
it's how I talk.

1:53
And this is just version one of it. I

1:55
mean, we just launched it. So, it's

1:56
going to get better and better and

1:58
better because I do a video every single

2:00
day of which we feed into Virtual

2:02
Stanley.

2:03
And in the future, Virtual Stanley is

2:05
going to going to be able to take you

2:06
from start to finish, from quote to

2:09
application.

2:11
Right now, it's it's a it's a um it's a

2:14
question and answer. It'll it'll answer

2:16
most questions without having to speak

2:18
with a human. But we're the first to do

2:19
it because we I mean when I started

2:22
doing videos a long long time ago, um I

2:25
didn't have in my mind, well in the

2:26
future there will be a virtual Stanley.

2:28
Well, when I started doing videos a long

2:30
long time ago, there was no virtual

2:31
anything. There was no AI. There was

2:34
none of that.

2:37
I did it because I wanted to educate the

2:39
public. I still do one a day. We we

2:41
release one brand new video a day,

2:43
Monday through Sunday, every single day.

2:45
And I'm going to do that for as long as

2:47
I'm breathing. And these shooting

2:49
straight with stands are part of that.

2:51
Okay?

2:52
But I do I do that and I continue to do

2:55
that to educate the public to tell the

2:58
truth brutally and honestly with no

3:00
sales pitches or hidden agendas. Yes, we

3:03
are the number one seller of fixed

3:05
annuities on the planet and that will

3:06
always be the case,

3:08
but we're going to do it the right way.

3:10
We don't sell hype. We sell contractual

3:12
guarantees. Virtual Stanley

3:15
[clears throat] is going to provide the

3:16
consumer the time that you wake up at 2

3:18
in the morning or if it's in the middle

3:20
of the afternoon, you really just don't

3:21
want to set a set set a call with me,

3:22
which you can go to the site and book a

3:24
call with me if you want to or email me

3:25
standanuityman.com.

3:27
Virtual Stanley can fill in that gap if

3:29
you say, you know what, I want to see

3:31
let me just get the answer. Virtual

3:32
Stanley will know. Virtual Stanley will

3:34
know.

3:37
So, I'm pretty excited about that. Now

3:39
again it's it's version one and we're

3:41
already improving you know the version

3:44
two and then you know by the time next

3:46
year this time there'll be version eight

3:48
but we're going to continually improve

3:49
it and by the this time next year I mean

3:51
there'll be 400 more videos fed into

3:54
virtual Stanley from a knowledge base.

3:57
I'm excited about it. I really think

3:58
it's cool because um

4:03
you know I like being the first doing

4:05
things not just to be the first be the

4:06
first and be impactful and change the

4:08
industry and this will change the

4:09
industry. Nobody else can copy this

4:11
because they don't have the content. And

4:12
like I said before, it wasn't some plan.

4:15
It just I was doing videos and then my

4:17
CEO who's who came from Google, an ex

4:19
Google executive, he goes, "With all

4:21
this content, we just got to do our

4:22
virtual someone of you." And I said,

4:24
"Virtual Stanley?" He goes, "Yeah, let's

4:25
do virtual Stanley." So of course, he

4:27
knows how to do all that stuff. He put

4:28
it all together and here we are and it's

4:30
live. The other thing that he did which

4:32
is pretty interesting and it's a game

4:33
changer as well and nobody does this is

4:35
you can go to my site at

4:37
theanuityman.com and you can run quotes

4:39
like lifetime income quotes for PSDs QAX

4:42
and income writers single premium

4:44
immediate annuities deferred income

4:45
annuities qualified longevity annuity

4:46
contracts income writers for lifetime

4:48
income you do not have to put in your

4:50
name you do not have to put in your um

4:54
email you do not have to put in your

4:56
phone number all you have to put in is

4:58
your your gender, your date of birth or

5:01
if it's joint life dates of birth and

5:03
genders and then your state of residence

5:05
and you get the same quote as if you put

5:09
in your name. Now the reason we did that

5:12
is because I hate putting my name into

5:14
websites unless I'm dead serious to

5:17
interact. And that would happen if say

5:19
you said okay top righthand corner book

5:21
a call with Stan. Okay, you're going to

5:23
put in your name and put in your phone

5:24
number and I'm going to call you at that

5:25
time. But to get quotes and see where

5:28
quotes are and see where guarantees are

5:30
and see where the, you know, the pension

5:31
number would be for you and see what the

5:32
lifetime income would be for you and the

5:34
spouse. You can do that anonymously

5:37
on my site. I am the only one. There are

5:39
a couple out there that they'll give you

5:40
the first quote and then you got to sign

5:41
up and like create an account. We're not

5:44
going to change. I'm not a data company.

5:46
I'm not trying to build an email

5:47
database. What I'm trying to build is

5:50
the go-to place for consumers for

5:52
annuities where they can get real

5:53
information and not give away theirs.

5:57
to talk to Virtual Stanley. You don't

5:59
have to sign up.

6:02
You just click, you just click the face

6:03
in the bottom right hand corner. It pops

6:05
up. There's a box to put in your

6:07
question. Put in the question. It'll be

6:09
answered immediately.

6:15
The annuity industry when I left Wall

6:17
Street because I used to work for Dean

6:18
Whit, Payne Weber, UBS, and Morgan

6:20
Stanley. [clears throat]

6:22
when I left there and decided to become

6:26
the annuity man. And the reason is I

6:28
didn't think it was these products were

6:29
not being represented properly. They

6:31
still aren't. I'm the only one out here

6:32
talking about contractual guarantees. Um

6:36
I was I was just shocked on how the

6:38
business was run. It's a very in my

6:39
opinion lazy business. It's done

6:41
archaically. If it wasn't for COVID,

6:44
there wasn't there wouldn't be online

6:45
apps in my opinion. you know, that

6:47
forced the companies to do online

6:48
applications um and and try to get to

6:51
the 21st century um technology-wise, but

6:54
I'm I'm shocked. So, when I brought this

6:58
person from Google over and convinced

7:00
them and paid them a ton of money to

7:02
say, I you know, I want to I want to

7:03
take this the next level. I want to

7:04
change the industry. I want to be the

7:06
shining north star on on how to do it

7:08
and how to do it right for the consumer.

7:10
He was appalled because, you know, tech

7:12
people from places like Google, they

7:14
look at everything as a possibility.

7:16
nothing. Not in the annuity industry.

7:18
It's like, well, I don't know why you'd

7:19
want to do that. I don't. He's like, why

7:21
wouldn't we do that? Why wouldn't we do

7:23
anonymous quotes? Why wouldn't we do

7:24
virtual Stanley? Why wouldn't we do

7:26
online applications, which is what we

7:28
do. You have the opportunity to fill in

7:30
the application online, or you can talk

7:32
with us. We'll do it as well.

7:35
I mean, these are common sense things in

7:37
the tech world,

7:39
but in the annuity industry, it's

7:40
archaic. It's run by people that that

7:43
can barely log on to a computer, most of

7:45
them, and they're making a lot of money.

7:46
So, why would they change? The reason

7:48
you change is because the consumer wants

7:50
that change. The consumer wants that

7:53
availability to questions, availability

7:55
to quotes without giving away their

7:56
information. Availability to fill out an

7:59
application for all carriers. We're the

8:00
first ones to do that for all carriers.

8:02
We're the first ones.

8:06
As they say, pioneers take all the

8:07
arrows. Bring it.

8:09
I mean, this is my mission. And my

8:11
mission is to change the annuity

8:12
industry. We will change the annuity

8:14
industry.

8:16
By the time I'm dead and gone, annuities

8:17
will not be a curse word anymore.

8:18
Annuities will be bought for their

8:20
contractual guarantees. Annuities will

8:21
be Wall Street's best friend because you

8:23
can set up the income floor and be a

8:24
better investor.

8:26
The annuity man will be where you go to

8:28
get quotes and see live rates. The

8:30
annuity man will be where you go to see

8:31
the newest videos because I put out one

8:33
a day.

8:36
Do we want you as a client? Absolutely.

8:38
Yeah. I'm a capitalist. Yeah, we want

8:40
you as a client, but we want you as a

8:42
client on your terms and on your time

8:45
frame. And when you when you as a owner

8:49
look at that and say, you know, I want

8:50
them as a client, but we're never going

8:51
to push. We're not hammers looking for

8:53
nails. We're not going to chase them. If

8:55
they make their decision on on on your

8:57
terms and your time frame, you're going

8:58
to be a good client. You're going to be

8:59
satisfied. You're going to have

9:00
purchased the annuity for the

9:01
contractual guarantees, but you're going

9:03
to have gotten all your questions

9:05
answered the way you want it. Do you

9:07
want to see videos? Great. We can do

9:08
that. We have 2,000. Do you want to read

9:10
books? Great. We've done that. I've

9:11
written six. I'm written I'm writing

9:12
number seven as we speak. Do you just do

9:15
you not want to do either of that and

9:16
just type in questions to virtual

9:17
Stanley? Great. You can do that. You

9:19
want to run quotes anonymously? Great.

9:20
You can do that. You want to see the

9:22
best live feed in the country for

9:23
migrates? Great. Without putting in your

9:25
information, great. You can do that.

9:31
I think the interesting part about being

9:32
an entrepreneur is is you get to build

9:34
the company the way you think it should

9:35
be built and the way that you would want

9:36
it. If I was an annuity consumer, that's

9:38
the way that I would want it. Okay? So,

9:41
that's why we did it. So, there's a

9:43
virtual Stanley. Okay? You can do

9:45
anonymous quotes. You can do online

9:47
applications. We are the first with all

9:49
of that. But that's not the end.

9:53
We got a lot more we're going to do as

9:55
first for the industry that 3, four

9:57
years from now will be the norm. And I'm

10:00
proud to have announced this. Give it a

10:01
shot. It's not going to be perfect.

10:03
We're always changing. We're always

10:04
listening to you as the consumer. and

10:06
we're always improving. That's what you

10:08
got to do.

10:10
I mean, that's my athletic background.

10:12
You get better with each play. You get

10:14
better with each game. You get better

10:15
with each practice. You get better as

10:17
people tell you how to get better.

10:20
That's it. All right. Hey, thanks for

10:23
joining me. That's Shooting It Straight

10:24
with Stan. I'm Stan the Annuity Man. See

10:26
you next time.

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