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

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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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