What Are The Best Annuity Options With Long-Term Care Riders?

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So, what are the best annuity options

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for long-term care writers on a policy?

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Hi there. My name is Stan the Annuity

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Man, America's annuity agent, licensed

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in all 50 states of Puerto Rico. I do

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have the answer to that. Probably not

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what you've heard, but what I'm getting

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ready to tell you is the truth. So,

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before you make a decision, you need to

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listen to this in just a minute.

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So, it's important to break down

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annuitities and long-term care. Okay?

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Um, annuities are issued by life

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insurance companies. All right? There's

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many different types. You know, fixed

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annuities are SPDS, QAX, MAS, you got

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income writers attached to indexed

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annuities, etc. And then you have on the

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the um FINRA side, you got variable

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annuities and and um registered index

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linked annuities. Now, part of the bad

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sales pitches out there are, well, you

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get this upfront bonus and you get

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market upside with no downside with this

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equity index annuity and you get free

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long-term care. Well, the free long-term

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care part is a flatout lie and

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malpractice, financial malpractice.

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Longterm care is a health insurance

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product. And if you want real long-term

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care, you need to go through a

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specialist, which we have one. I'll

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refer to you if we want to send me an

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email stantheanuityman.com. I'll shoot

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you his contact information. He has

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nothing to do with the annuity man. I've

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just referred him business because I

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trust him and he's a long he's a health

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health insurance long-term care

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specialist. But if Johnny Apples Seed

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agent says we can get a market upside

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with no downside and free long-term

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care, he doesn't know what he's talking

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about. Okay. What he's describing is

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what's called confinement care writers

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or nursing home riders. But I put it in

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an easy to understand format. When you

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get sicker, you get your money back

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quicker. Anything that's guaranteed

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issue

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has to be viewed as

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I mean, unless you're going through some

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hoops, whether it's questions or

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underwriting for long-term care, then

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it's probably not that good of a

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coverage. It's just a very good sales

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pitch at a bad well good steak dinner

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seminar that you're going to hear or the

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local agents going to tell you, well,

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you can get free long-term care. They

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don't even know what long-term care is.

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It's just easy to say and it makes makes

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the product sound better. There are many

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options for long-term care. You know, if

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you really need long-term care, then go

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find long-term care through a someone

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who specializes in it. But what the

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index annuity salesman is talking about,

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well, you get this upfront bonus and you

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get market upside downside and then you

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get long-term care. I mean, that idiot

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has no clue what he's talking about. But

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what that benefit is is a guaranteed

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issue confinement care writer when you

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can't do and typically when you can't do

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two of the six daily functions of life

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and those are like feed yourself, clothe

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yourself, bathe yourself. First of all,

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if you're there, you're not going to

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live long. life stinks. Okay? And all

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they're doing is ramping up the payment.

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You're in essence proving to the annuity

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company that your life expectancy

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is less, which means they're going to

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ramp up the payments, meaning they're

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going to give you your money back

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quicker. When you get sicker, you get

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your money back quicker. Don't put much

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weight on that. I know it sounds good. I

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know you're thinking, "Well, that's

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good." And by all means, if you have

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long-term care already in place that you

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went through underwriting and got it,

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never ever ever

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cash that in to buy Johnny Apples Seed's

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index annuity with Freight Freight

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long-term career. Don't do that. Talk

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about financial malpractice. You talk

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about if you do that, he's liable for

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that. That agent is liable for that. In

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my opinion, that's financial

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malpractice. Now, for that person, well,

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who who would buy that? Who would you

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recommend that? You know, when you get

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sicker, you get your money back quicker.

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Who would you buy? Who would get that,

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Stan? Who would you tell that? I said,

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for the guy that's sitting in the Barker

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Lounger,

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smoking a carton of Lucky Strikes, no

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filter, and drinking a bottle of Jack

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Daniels and eating a tub of those cheese

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balls you get at Costco, you know, like

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the plastic tub. So, he's got the cheese

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balls, he's got the he's got a a

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continuous cigarette lit, and he's

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swigging from the Jack Daniels bottle.

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He buys it because he can't qualify for

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anything. But even then, with most of

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these these um companies, it only will

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last for five years. That that doubler,

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hey, you get this doubler, sir.

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Oh my god. And if there's no money in

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the account, it doesn't apply.

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In other words, don't pay any attention

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to it

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under the sales pitch of upfront bonus

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market upside with no downside, free

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long-term care. Ignore those two.

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That's stupid. That's that's stupidity

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sales pitch talking. And then the

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middle, which is market upside with no

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downside, flatout lie. It's a CD

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product. So that whole pitch is a lie.

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But what are your options for long-term

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care? your options is talk to a real

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long-term care person. Talk to a person

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that has a health insurance license that

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specializes in long-term care. I will

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point you to that person. Just send me

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an email stantheanuityman.com.

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But there's not products out there that

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do it all. Well, Stan, this one this

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this old boy down the road, you know, he

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every I mean, I could just buy that one

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product. Does it all. Does it all for

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me. No, it doesn't. Does it all for him.

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highest commission product on the

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planet. But if it sounds too good to be

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true, it is every single time. Free

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long-term care. Free long-term care.

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Really?

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Either the agent knows nothing about

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long-term care or you know nothing about

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long-term care. One of you need to know

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something about long-term care.

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Preferably you because you're buying it.

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Do me a favor. If this is a question you

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really need answers to, schedule a call

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with me.

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Don't just take the agent's word for it.

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Let me give you the truth about how

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these things work so you can make a good

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decision. And if and if I feel like you

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need to speak with the long-term care

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specialist that that works exclusively

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exclusively with us, then I'll refer you

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to him. It's real simple. There's no

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urgency for any of this. You need to

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just have good answers and the facts.

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All right? So, my site,

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theanuityman.com. One last thing, if you

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do have some annuities that some bozo

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sold you and you want me to to um be the

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agent of record and try to help you

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actually with that annuity and help you

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decipher the sales pitch, I will do

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that. Just an easy agent record change.

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And we would like for you to consider us

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for all of your annuity purchases. I

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have the best staff in the business.

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We're all located under one roof in Las

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Vegas, Nevada. Um no, no one's on

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commission. Everyone's licensed in all

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50 states. So give us a shot. One last

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thing above my head is a spinning clock.

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I did a video on how annuities can help

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families and and protect families and

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provide contractual guarantees for

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families. I know what you're saying,

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Stan. We don't need that. As long as I'm

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hitting on all cylinders, we're good.

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We're real good. Understand that. But

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there'll come a time where you'll be

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wearing a pair of diapers and drooling

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on yourself. And at that point in time,

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it's too late to plan. Let's plan now.

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Let's take care of our families. Now, I

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will tell you how I did it with my

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family, my two daughters, and my my

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wife. And maybe that's something that

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you want to think about as well and

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schedule a call with me. So, my name is

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Stan the Annuity Man.