What Is A Fixed Index 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 in Puerto Rico. Founder of

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CGO, contractual guarantees only, which

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means you own an annuity for what it

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will do, not what it might do,

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not hypotheticals, theoreticals, etc.

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So, we're going to talk today about a

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topic that is on your mind,

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been hearing about it, g you know, got

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fed at the steak dinner, steakhouse that

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you never go to and heard about it. What

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is a fixed index annuity? Standing

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annuity. Matt, what is that? I'm going

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to tell you after this.

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So, in 1995, a group of people, and I

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was there, I'm not sure they let me in,

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but I was looking through the window,

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um, put together the fixed index annuity

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product. Back then it was called equity

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indexed annuities, but the industry had

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to change that name because too many

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Johnny Apples Seed agents were going,

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"I'm in the equity business. I'm selling

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equity index annuities." No, you're not,

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player. It takes a life insurance

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license to sell fixed index annuities.

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Fixed index annuities in 1995 were put

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on the planet to compete with CD

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returns, to compete with CD returns, to

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compete with certificates of deposit

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returns, not the market.

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I don't care what anybody says. I don't

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want trusted advisor. I had a guy call

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me the other day go, "Well, I've been

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with this boy for a long time and he

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said it's it's a market product." I

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said, "He's full of crap. He probably

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cheats at golf with you, too." Fixed

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index annuities are the most misssold,

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overhyped, overpromised, backtested,

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theoretical, hypothetical, unicorns

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chasing the butterfly product on the

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planet.

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What is a fixed index annuity? It's a

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fixed annuity. It's regulated at the

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state level. It is not a security. It is

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a principal protection CD product.

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Yeah, I I'm the only one that's going to

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tell you that. Now, if you don't believe

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me, you should cuz I've been doing this

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for a while. I'm top agent in the

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country. I understand it. And I put my

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money where my mouth is. I don't know

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where that statement comes from. That

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makes no sense because if you have a lot

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of money, you're going to choke. You

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know what I mean? I've written a book on

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index annuities. You can go to my site

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at theanuityman.com and download the

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fixed index annuity owners manual and I

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spew facts all over the place there.

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There's a frequently asked questions

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section. I go through caps and spreads

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and participation rates. I go through it

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all.

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Let's break it down a little bit. Stan,

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what's a fixed index annuity? I know

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what it isn't. It's not something you

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buy for a upfront bonus. Hey Stan, this

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guy told me about a 50 50% upfront

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bonus, son. Sound pretty good. You know

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what I'm saying? Yeah, but it's not

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true. There's a hundred pennies in the

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dollar, not 150. or if it's 20% bonus,

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not 120.

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It's part of the overall contractual

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guarantee. Who cares?

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Well, he also told me I can get

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long-term care on this thing, son. I'm

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going tell you right now, sound pretty

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good.

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No, long-term care is a health insurance

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product. What they are referring to in a

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semantic form, playing word games, is

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when you get sicker, you get your money

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back quicker. That's confinement care.

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That's not long-term care. Long-term

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care has tax benefits to it.

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So, I've I've dumped I've dumped and

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took a cropola,

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a steaming hot one, Dr. Dr. V and Big C

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behind the camera on those first two

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upfront bonuses and free long-term care.

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The middle one is what drives me crazy.

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Market upside with no downside.

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Principal protection with PR with with

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upside potential. Give me a break. Okay.

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Most indexed annuities

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you can most vast majority you can only

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lock in the gains one day per year. The

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other 364

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you are what I call an annuity unic.

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Look it up. Just the unic part. You

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can't do a thing. And the bigger part of

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that

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is you say, "Well, I'm, you know, I'm in

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the market, son. This old boy down here

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got me in one and we're in the S&P."

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You're not in the S&P 500 index that

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includes dividends, which represents

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over 50% of the returns. You're in an

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option. Know what that is? Probably not.

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You're in an option

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for one year contract anniversary date

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to contract anniversary date with most

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of these policies.

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That does not include dividends. You're

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slave to the day. Hope it's a good day.

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I had a guy the other day, well that was

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about two months ago, call me up and

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said I was in the money and then there

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was a twoe time period where the market

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went and my day was the wrong day and it

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locked in at zero.

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There you go. Positive side of that,

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you're not going to lose any money. But

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to think you're going to get market

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returns, give me a break. There's three

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things within there's three levers

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within an index annuity. Caps, spreads,

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and participation rates

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and the companies can use them

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standalone or combinations of them that

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get really, really complicated. Again,

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go to my site theanuityman.com,

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download my fixed index annuity owners

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manual. And if you're on the YouTube

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channel, go to the stand the annuity man

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YouTube channel, type in the spacebar in

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within my channel, fixed index

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annuities. I've done I've done indepth

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videos on this stuff. So what you're

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saying is okay Stan you don't like them.

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I didn't say that. We use them as a

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delivery system for the income writer.

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We don't care about the accumulation

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story. It's a bad CD product. Who cares?

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If we get two to 4% on that and we

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deliver the guarantee of the income

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writer, hooray. We don't look at that.

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And by the way, we won't talk to you

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about it. We won't analyze it. We won't

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do anything. Throw your own dart. We're

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buying the guarantee. You own an annuity

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for what it will do, not what it might

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do.

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Will do. Income writers might do index

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annuity accumulation story. I know

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that's not what you wanted to hear. Or

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maybe it is what you wanted to hear, but

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it's what you need to hear. I invite you

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to email me stantheanuityman.com

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if you want to go down the rabbit hole

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of index annuities. I've forgotten more

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than most people ever know about it.

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always tell people there's five people

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on the planet that know index annuities

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inside and out and I think I know the

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other four. We sell guarantees.

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The the only guarantee that I like about

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index annuities principal protected.

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Other than that is it it for us it just

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serves as an efficient and

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cost-effective delivery system for the

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income writer guarantee for lifetime

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income single or joint life however you

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want to do it. And we quote all carriers

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A plus or better for the highest

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contractual guarantee. But there are so

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many games played on the other side.

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Do not make your decision on

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hypothetical, theoretical, potential,

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upfront bonus. Nonsense,

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not guaranteed. Don't buy non-G

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guarantees with annuities. Buy

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guarantees.

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You can't get a quote on an index

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annuity from a real source, from a real

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source,

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because there's nothing to quote. I'm

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gonna clean this thing up, man. I'm

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gonna clean it up. I know that's I know

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you probably said, "Tell me the Tell me.

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Tell me that good old boy down there

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said it was this and I need you to stand

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in man. Tell me he's telling the truth."

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He's not.

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If he sells enough of it, he goes on a

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trip with his wife, girlfriend,

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boyfriend, or whatever applies to Bora

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Bora, Italy, or whatever. You're just a

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walking incentive for index annuity

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salespeople. They're just a bunch of

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gunslingers out there. If you came to

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them, most agents have said, "You know

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what? I got a sore throat. My ankle

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hurts. What do you think?" They go, "You

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need an index annuity." I mean, one

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sizefits-all. Doesn't matter. Who cares?

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Age, whatever.

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Sounds too good to be true. It is every

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single time. I encourage you go to go to

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my site, theanuityman.com.

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I've got six owners manuals, but if

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you're in the rabbit hole here looking

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at index annuities, download that index

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annuity book and schedule a call so I

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can walk you off the ledge so you don't

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make a mistake

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or you use the indexed annuity properly.

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But don't buy the dream because you're

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going to own the contractual reality.

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One last thing above my head, I did uh

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there's a video going to pop up. I did a

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video on how annuities properly,

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factually, and contractually address

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inflation. There's only one way to do

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it. Everything else is a sales pitch.

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Might not be what you want, but that's

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what you're going to get. If you want

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the real thing, watch that video. It

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will it will make sense to you. It

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really will. I encourage you to engage

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with us. My my headquarters in Las

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Vegas, Nevada. All of my people there

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are licensed in all 50 states, but

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they're not on commission. We run it

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differently. We have the biggest staff

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in the business. Not because I like

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paying payroll. Is because I like taking

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care of the clients. That's why. Are we

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perfect? No. Do we want run toward the

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bullets for you? Yes.

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Like you've never seen. So fixed index

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annuity. What is a fixed index annuity?

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It's a principal protection product that

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can deliver an income writer, but what

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it's not, it's not a growth product. My

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name is Stan the Annuity Man, just like

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it says on the shirt.

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See you next