What Are The Advantages And Disadvantages Of A Retirement Annuity?

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Hi there, Stan the Annuity Man,

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America's annuity agent, licensed in all

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50 states. Today's topic is what are the

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advantages and disadvantages of

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retirement annuity contract or

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retirement annuity policy, however you

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want to type it in, player.

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We're going to go through advantages and

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disadvantages of annuities in general

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and how you should place them properly

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in your portfolio for contractual

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guarantees only. And oh, by the way, I'm

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the founder of that organization.

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Contractual guarantees only, which means

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you own an annuity for what it will do,

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not what it might do. We're going to get

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to the bottom of all of this factually

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and with a lot of frivolity and fun

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after this.

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So, what are the advantages and

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disadvantages of a retirement annuity?

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So, let's break that down a little bit.

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Retirement annuity. Hey, Dan, is there

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such a thing as a retirement annuity? I

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want that one. That's the one I want.

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There is no such thing. Broad category.

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Okay. Annuity solve for four things. The

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acronyms pill. P stands for principal

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protection. I stands for income for

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life. L stands for legacy. The other L

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stands for long-term care. That's it.

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There's no G for growth. There's no M

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for market. There's no S for stock stock

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market. There's no B for Bitcoin. Okay.

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A retirement annuity is a contract

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issued by a life insurance companies.

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Life insurance companies issue

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annuities.

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So, you really have to answer two

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questions for me. What do you want the

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money to contractually do? And when do

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you want those contractual guarantees to

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start? Remember, you own an annuity for

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what it will do, not what it might do.

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Never buy non guaranteed returns

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attached to an upfront bonus. Don't be

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dumb. Don't be the rude at the table, as

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they say in Vegas. So, a retirement

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annuity solves contractually for a

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specific goal. That's the first step of

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the process. Do you need to solve for

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that those items in the pill? One or

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more. Principal protection, income for

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life, legacy, and long-term care. Now,

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all of you own one of those income for

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life. That's social security, the best

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inflation annuity on the planet. Okay?

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But let's go through the advantages and

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disadvantages.

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the advantages of a retirement annuity

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and there's many different types eight

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to 10 depending on how you count them.

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Okay? But when you figure out the goal

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and figure out those two questions, the

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answer to those two questions, what do

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you want the money to contractually do

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and when do you want those contractual

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guarantees to start?

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From there, the advantages are that's

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contractually guaranteed. The advantage

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advantages is we can shop all carriers

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for the highest contractual guarantee

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for your specific situation. And I have

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the only site at the time of this taping

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and the the I I guess I'm throwing the

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gauntlet down to anybody else that wants

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to see if they can do the same thing.

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Good luck. I have the only site that you

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can do anonymous quoting. All you have

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to put in is your date of birth, your

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gender, and your state of residence. No

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name, no phone, no email. Hello. Welcome

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to the future. How about that? AI.

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Uh-uh. actual individual changing lives,

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changing the way that the game is played

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in the annuity industry. And by the way,

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it's really not a game. Annu retirement

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is not a game. This isn't a movie. You

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can't do it over. This isn't golf where

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you hit one in the lake and you get a

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mulligan. You have to make your decision

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on the contractual guarantees.

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Annuitities

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are commodity products. We shop all

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carriers for the highest contractual

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guarantees. And those quotes change like

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a gallon of milk spoils every 7 to 10

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days. Now, we can lock in that for you.

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And I have the best staff on the planet

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and the largest staff on the planet

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under one roof. Nothing virtual.

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Everyone [snorts] licensed, no one on

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commission. So, the advantages of of a

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retirement annuity is that you know what

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you're going to get. You're going to

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make your decisions on the contractual

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guarantees of the policy. You will not

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make your decision on non-g guaranteed

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return scenarios, hypotheticals,

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theoreticals,

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projections, hopeful unicorns, chasing

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the butterfly, Mr. Jones. Boy, if you'd

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owned it 10 years ago, you'd have gotten

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this with an upfront bonus. Upfront

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bonuses are candy for the stupid. I'm

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going to keep saying that until there's

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a billboard. You'd be driving through LA

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one day and you'll see upfront bonuses,

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candy for the stupid. And there'll be

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people going honking the

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Yeah. they're going to understand that.

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So that's the advantages of retirement

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annuity. The disadvantages of the

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annuity category

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in general are the bad sales pitches,

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the misinformation, the lying, the

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semantic word games that are played, and

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the fact that too many agents I'm I'm

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not say all because a lot of them are

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joining the stand cult of contractual

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guarantees only, which is great, but too

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many of them play that, well, if you

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owned it 10 years ago, you'd have got

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market returns. you get market returns

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and you protect the principle. Please

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don't be that stupid and gullible. And

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I've had this challenge for a long, long

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time. If you're a client out there and

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you've purchased one of these growth

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great stories, it's just a great story,

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Stan. It's great. It was a great story

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when I bought it and it's a great story.

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Now, if it's a great story now, I want

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to see the proof. I've yet to have

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someone send me the proof that the

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dreams they bought ended up being

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contractual realities. So, the

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disadvantages

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of an of a retirement annuity and the

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annuity category as a whole, hopes and

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dreams are sold and contractual uh

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realities are delivered in the policy.

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The advantages are you can shop all

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carries for the highest contractual

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guarantee. For lifetime income, we're A+

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or better. Period. in a story.

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If you want to know why, then schedule a

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call and I'll tell you why. But that's a

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whole another video series.

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Been doing this three decades. I know

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what I'm talking about. For multi-year

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guarantee annuities, we can go a little

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bit less than that because we're dating,

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remember that? Remember that, guys?

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We're dating the carrier. We're only

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going to be there there for that

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specific period of time. Think of it as

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like being in college, right? You're

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gone after that. You don't talk to those

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people. Same thing with the mic. We're

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going to get the MA for the guaranteed

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interest rate principal protection. But

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lifetime income A+ or better. You don't

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need a sweater.

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It's early.

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I'm starting to yell early, which means

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that later I won't have a voice, which

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will be great because it'll be like

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listening to a Bonnie Ra album when

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she's singing the blues. You know that

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raspy like smoke some camels and drinks

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a bottle of Jack Daniel voice. That's

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what it'll be later.

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You know, I put one of these out every

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single day. I know you're saying, "Stan,

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that's insane. Don't you have a life?"

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Answer. Been married 38 years.

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Hello. Hey, this is what I do, man. And

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I told I told the people behind the

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camera, I'm eventually going to have a

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heart attack or brain aneurysm or

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something's going to go wrong. A clot.

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Throw a clot. Hey, boy. Did you throw a

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clot? That's what they say in the cell.

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Did you throw Did Boy throw a clot and

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die? I mean, if I do that, they got to

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keep filming me. But getting back to the

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advantages and disadvantages of a

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retirement annuity, it's up to you to

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make sure that you're on the advantages

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side. Contractual guarantees only side,

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will do, not might do side. The

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disadvantages is if you cross the line

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into hopes and dreams and hoping that

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things will all work out for the better

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because Johnny Apple Seed agent told me

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it's going to and I trust him because he

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seems like a nice person. I'm not your

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friend, okay? I'm the walking middle

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finger of annuity truth and I'm an

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annuity oncologist. I'm going to tell

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you the truth. You don't want to

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oncologist walk up go, you know what?

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Let's go to a restaurant and let's let's

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talk about football. No, you want to

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know if you have cancer. The reason you

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tuned in this video is you're

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considering annuities. Consider my site.

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Consider being my client licensed in all

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50 states in Puerto Rico. or as I say,

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Puerto Rico, fluent. Just those two

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words.

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Go to my site, run quotes anonymously,

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watch my videos. You can download books

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for free that I've written. No, I'm not

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some philanthropist. I'm an educator

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that that wants you to understand what

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you're going to buy before you buy it

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with no pressure. That's who I am.

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That's what sets me apart. There's no

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agenda. Yes, we make money if you buy an

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annuity, but the company pays us, not

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you. It's a net transaction to you. I

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stopped worrying about money a decade

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plus ago. The reason I'm doing this is

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to crush

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the sales pitches that are out there and

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to dominate and change the annuity

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industry to contractual guarantees only.

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It's going to happen. All right. Hey,

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man. Drank a large cup of coffee. I'm on

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coffee cup number two.

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heavy metal annuity man logo. I mean,

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we're in it. We're in it to win it. This

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isn't a game, player.

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Schedule a call with me. Shoot me an

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email stantheanuityman.com.

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Get in the game because it's not a game.

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We're going to look at contractual

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guarantees only and my team will take

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care of everything from start to finish.

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Hey, one last thing. Um, I did a

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spinning clock above me. It's gonna

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there's a video is going to appear and

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you're going, "What's that?" I need you

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to watch it. It's called how to properly

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and correctly run annuity quotes,

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illustrations, and use the calculators,

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etc. I did a video on that. We recently

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just changed our site so that you can

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run anonymous quotes. No, no name, no

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email, no phone number that's needed.

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Just your date of birth, gender, and

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state of residence. That's it. Totally

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anonymous. Same quotes. We're we don't

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want to track you. We don't want to

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email you and ping you and bother you

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and all that stuff. We just want you to

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to get the best quotes in the country.

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See the carrier name, see the

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contractual guarantees, and make your

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decision on your terms and on your time

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frame. Check it out. My name is Stan the

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Annuity Man. No last name, just the

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annuity man. I'll see you next