What Do Both Life Insurance And Annuities Have In Common?

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So, Stan the Annuity Man, America's

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annuity agent, licensed in all 50 states

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in Puerto Rico. What do annuities and

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life insurance have in common?

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There's more than you think, and we're

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going to talk about that after this.

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[music]

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So, the first thing you need to know,

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life insurance companies issue

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annuities.

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So that's the first thing they have in

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common is it's coming from the same

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source. So there's um that's a pretty

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unique one most people don't realize

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because life insurance when you buy life

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insurance um that death benefit is

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tax-free probate free annuities

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any type of death benefit is not taxree.

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You're going, "Wait a minute, but didn't

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the life insurance company issue any?"

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Yes. What they have in common, however,

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is that you should buy both for the

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contractual guarantees? They both are

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contracts. They both issue policies.

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Those policies are contracts. They both

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should not be purchased for market

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returns. They should be purchased only

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and solely for the contractual

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guarantees of the policy. Life insurance

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is the best return on investment you

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will never ever see because you will be

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dead. It's fantastic.

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It's absolutely great. And I encourage

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you to if you don't have term life or

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level term life, go get it. You don't

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need index universal life. You don't

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need whole life. Hey, for all you

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slingers out there that are selling

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that, you can email me

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stantheanuityman.com.

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You don't want to do that, but you can

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um because I know what I'm talking

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about. Life insurance is great. You can

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use life insurance and annuities

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together. For instance, you can say,

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"Okay, what's uh what's $2 million worth

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of life insurance cost?" And that cost

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can be paid for by an immediate annuity.

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So, you don't have to think about it. I

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had a gentleman the other day, we did

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that kind of a a little arbitrage

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situation where the life insurance

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policy, I think it was a,000 or $2,000 a

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month. We bought an immediate annuity to

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pay that premium. And we got even

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fancier. She set it up joint life with

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the spouse so that when he died, the

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lifetime income stream continued for a

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spouse and she got the death benefit

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from death benefit from the life

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insurance policy. So with life

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insurance, it's very very simple. You

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buy the most death benefit for the least

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amount of money. Hello. That's it.

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Period. Term insurance. That's what you

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buy. You buy the most death benefit for

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the least amount of money. for for

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annuities.

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You look there's four things they saw

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for the acronym is PIL. P stands for

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principal protection. I stands for

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income for life. L stands for legacy.

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The other L stands for long-term care.

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And you ask two questions. What do you

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want the money to contractually do and

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when do you want those contractual

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guarantees to start? That's how you do

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annuities. That's how you look at the

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contractual guarantees only. There's no

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question with life insurance. Life

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insurance. Life insurance is how much

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death benefit do you want and how much

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do you want to pay and then you go shop

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it. Both are commodity products. Both

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there's not one that's better than the

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other from the standpoint of carriers.

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Well, who's the best life insurance

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carrier? Whoa, what was that? Who's the

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best life insurance carrier? I don't

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know. Let's quote and let's see who has

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the highest car contractual guarantee.

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Who's the best annuity carrier? I don't

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know. Let's quote and let's see who has

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the highest contractual guarantee.

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Stan, can it be that simple? Yeah. Yeah,

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it can.

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As soon as you stop

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trying to find the perfect product,

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you're going to be fine and only quoting

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for contractual guarantees. As soon as

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you stop looking for market type growth

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in either one, life insurance or you're

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saying, Stan, life insurance? Uh-huh.

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There's some shyers out there. Market

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growth on life insurance and market

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growth on annuities. As soon as you stop

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that nonsense,

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you'll be fine because you're only

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looking at the contractual guarantees of

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the policy and you're shopping all

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carriers for the highest contractual

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guarantees for your situation.

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Stock market returns,

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market returns do not involve

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life insurance and annuities. Even

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though the annuity industry and the life

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insurance industry will they hope that

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you know they can package a product that

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you can believe in and all

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if they would just focus on what they're

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good at.

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Life insurance is good at death

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benefits. You know annuities are good at

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contractual guarantees

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for principal protection income for life

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legacy and long-term care. That's what

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they're good at. Neither one neither one

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are good at market growth potential

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hypothetical non-g guaranteed returns.

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Never buy either for non-g guaranteed

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returns.

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If you get one thing out of this video,

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it's that and the fact you might want to

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work with us. You know, we're we're

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based in Las Vegas, Nevada. Um all under

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one roof. Everyone's licensed in all 50

5:00
states. No one's on commission. We're

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open 12 hours a day, Monday through

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Friday, and eight hours on Saturday.

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Unmatched. Absolutely unmatched. on my

5:07
website now. I'm proud to say there's a

5:08
virtual Stanley. You're saying virtual

5:11
Stanley? What's that? That's me.

5:14
Artificial intelligence with 2,000

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videos, six owners manuals, another

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book, and 400 articles all in one big

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soup of information that my friends that

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started the company that went to MIT

5:27
designed, developed, and is unmatched

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because no one's done the content that I

5:32
have. But 247, 365, you get to do that.

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You get to ask the questions. You can if

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you want to book a call. You can email

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me direct. You can sign up for my

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newsletter. You can you can watch the

5:46
video that I put out every single day,

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seven days a week. But life insurance

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and annuities are one and the same.

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They're contractual guarantees

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and they're fantastic. Do I own both?

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Yes. on term life for life insurance

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and I personally just own a bunch of

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migas for um me and the queen of 38

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years because we just want the money to

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grow tax deferred and forget about it.

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It's really that simple.

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I would encourage you to go to my site

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uh I did a video um on on our new quote

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system which is really cool and I want

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you to I want you to look at that. But

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here's this here's the cliffnotes

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version. You can run quotes 247 365

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anonymously. You do not put have to put

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in your name. You do not have to put in

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your email address. You do not have to

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put in your phone. You're saying a lot

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of you out there, well Stan, I'm putting

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John Doe John Doe at Gmail all the time.

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I don't care. Now, you don't even have

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to do that. You just have to put in your

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date of birth, gender, and state of

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residence. I mean, if there's no reason

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not to put in your real date of birth

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because no one knows who you are. your

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your male from Connecticut or female

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from South Dakota or whoever. Run quotes

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anonymously. Look at the MIGA feed

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anonymously. If you want to be a client,

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then engage with us. Yes, I want you as

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a client, but I don't need your

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information until you're ready to give

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it to me. I mean, that's the way I do it

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on the internet. That's the fist fight I

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had with the board meeting two months

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ago to change it. Like, we're not a data

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company. I'm an annuity company. I'm in

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I'm the top annuity agent in the

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country. Why? I don't care about data.

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The other sites just grab your name and

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they sell it. A lot of them, not all

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that I've heard, sell your name 150 to

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300 a pop. Not going to do it. We don't

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sell information. I'm in the annuity

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information business. I'm in the annuity

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education business. I'm in the annuity

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sales business. If we get to that point,

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I want you as a client. But I would

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encourage you to watch that video and

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consider us. You know, ask the questions

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of Virtual Stanley. Try to break it. You

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know, it's kind of in a beta test mode

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right now at the time of this taping.

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Try to break it, man. Tell us if you

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broke it. You can't ask weird questions.

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I was in there the other day messing

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around like asking kind of bizarre

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questions that only my brain would think

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of and and Virtual Stanley answered,

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"Let's stick to annuities." I'm like,

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"Of course, that's kind of what I would

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say, but I'd say with a curse word." But

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the point is, we want to provide you the

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information and we're looking we're

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looking forward to having you as a

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client or you at least considering us to

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be your annuity agent. My name is Stan

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the Annuity Man. We'll see you next

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time.