What Is An 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 CGO

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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. The contractual

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guarantees. Yes, I am wearing the

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Stanhen shirt. You're saying, Stan, I

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thought it was Stonehenge. Yeah, I did.

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A lot of people did.

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Kidding. You know, we're having fun

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here. The the uh the topic of the day is

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a good one. It's just basic, but you

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need to know this. What is an annuity?

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And I'm not going to use any type of

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industry speak whatsoever. I'm going to

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talk in plain easy to understand

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Stanglish, which is English with a

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little bit of Stan in it and a southern

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twang a little bit. But what is an

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annuity? We're going to talk about at

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that after this.

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So what is an annuity? First of all,

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annuities. People say, "Well, I hate

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annuities." Really? You hate

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restaurants, you hate trucks, you hate

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socks, you hate shoes, you hate peach

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cobbler or cobblers. No, you can't say

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you hate all annuities. That's insane.

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You already own one. It's called social

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security. What is an annuity? It's a

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contract, key word, that's issued by a

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life insurance company. Wait a minute,

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Steve. Life insurance. Yeah, life

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insurance. Let's stop there. Life

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insurance is the best legacy product you

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could ever buy because the return on

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investment is fantastic. The problem is

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you don't see it because you're dead.

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Now, with life insurance, the vast

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majority you have to go through some

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underwriting process, show them your

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blood work and testing all that stuff if

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you're going to get really good

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coverage. But life insurance companies

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that issue annuities, annuities,

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guaranteed issue. You could be smoking

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10 packs a day of Camel No Filters. What

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a good taste that is. and a bottle of

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Jack every day and they're going to

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issue that annuity to you. An annuity is

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a contract. All right? It solves for

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four things contractually. The the

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acronym I came up with is pill. P stands

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for 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 we only use two questions to even

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determine A if you need an annuity. And

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if you do, what type is going to provide

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the highest contractual guarantee? Those

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two questions are 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? Keyword contractual. Do not ever

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if if you if you take one thing away

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from this video, do not ever buy an

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annuity for potential growth,

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hypothetical returns, back tested

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returns. Well, my uncle bought this one.

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It got seven and 10 and 13%. Garbage.

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Okay.

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Growth does not equate annuities. If you

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want like a reasonable rate of return is

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what everyone asks, that's a MIGA.

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Multi-year guarantee annuity that has a

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guaranteed interest rate for a specific

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period of time as short as one year as

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long as 10. So 1 2 3 4 5 6 7 8 9 10.

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Reason I did that, I said that the other

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day on the video goes, well, you said

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they offer one year and 10 year. Don't

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they offer the ones in the middle? They

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offer one, two, three, four, five, six,

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seven, eight, nine, 10. Okay, you choose

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the duration. It's a guarantee an

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interest rate for that specific period

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of time. You can go to my site and look

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at that at your leisure and pull up your

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state, pull up the duration and see

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hopefully at the end of that process.

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Speak with me, schedule a call, email me

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stantheanuityman.com

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on a on just to take a little bit of

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diversion here. My staff, we're based in

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Las Vegas. You're saying, "What? Isn't

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that all about risk?" And you're about

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no risk. I know, conundrum, huh? Uh, but

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we have the largest staff in the

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business. All of them licensed, all of

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them under one roof. There's no one

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virtual. They're all under one roof.

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Kind of old school. That's the way we do

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it. They're licensed, but they're not on

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commission. Um, they are paid by you

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being happy. So, if you want to look at

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annuities, we'd love for you to buy the

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annuities through the annuity man. Um,

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give us a shot. Go to my site at

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theanuityman.com. Run quotes

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[clears throat] 247365.

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You know, watch my videos. I've done a

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few thousand. You can download my free

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six owners manuals and get educated on

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the on the topic of annuity. So, what is

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an annuity? In essence, it's a transfer

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of risk product. You're transferring the

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risk to the life insurance company that

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that's issuing the annuity to solve

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primarily for lifetime income or

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principal protection. It does solve for

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legacy and long-term care, that pill

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acronym. But most people are either

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looking for lifetime income because

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nobody has a pension

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except government workers and a handful

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of other people with I think the the the

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percentage is 9% of private companies

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offer pensions now. So when you have the

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401k or the retirement amount that's

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grown grown grown what do you got to do?

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You've got to turn that into income to

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create that income floor that com that

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combines with the annuity you already

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own, social security, which is the best

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inflation annuity on the planet. What

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what is an annuity? An annuity is peace

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of mind because it's a contractual

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guarantee for lifetime income. We're

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only looking at A+ or better carriers,

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no exceptions.

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Okay? So, if you say, "Okay, Stan, me

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and the MS need income to start in two

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years. We're going to quote all carriers

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that are A+ or better." That means A++

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as well for lifetime income. And then

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we're just going to choose the highest

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contractual guarantee. A+ or better,

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highest contractual guarantee. Do it

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again, Stan. A+ or better, highest

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contractual guarantee. One more time. A+

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or better, highest contractual

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guarantee.

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It's that simple.

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What is an annuity? An annuity is a

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noncorrelated

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asset in your portfolio. How you staying

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with noncorrelated me? What's that mean?

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So, is that like cholesterol? No, it's

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not, Fred. Even though I'm on good

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cholesterol medication. Keep that. So, I

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can eat my uh peach cobbler and hash

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browns at the Waffle House. Follow me.

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There's no peach cobbler at the Waffle

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House. So, just calm down. There there

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are some phenomenal hash browns. Okay.

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But but what is an annuity? Annuity is a

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non-correlated asset, which means it's

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not attached to the markets.

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market,

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data center, AI, whatever, Bitcoin, all

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that stuff. Who cares? Who gives a

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crapola? Well, this this old boy down

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the road, this old boy down Rosa said he

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uh I can give Mark outside with no

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downside upfront bonus. First of all,

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upfront bonus is candy for the stupid.

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There's not a philanthropist giving

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money away player. Okay. Do not buy

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annuities for growth.

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You want me to say it again? Okay, I'll

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say it with a little bit more 20. Do not

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buy nud is for growth, son. Let me tell

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you something.

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Real market growth does not have

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surrender charges. Remember that. And

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when Johnny Apples Seed's pitching that,

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well, you can get 10, 11, 12, 13, 14,

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and your principal's protected. Hey

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player, Goldman Sachs isn't buying that.

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If that was true, that's all everyone

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would buy. It's not true. Annuities are

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not for growth. Annuities, what are what

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is an annuity? It's a non-correlated

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asset. It has nothing to do with the

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market. It's a contractual guarantee.

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It's a transfer of risk. What is an

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annuity? It can be a legacy product. The

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queen and I, the queen of 38 years,

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married to me, what a martyr. You

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talking about a person that likes pain

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living with me.

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I don't know if it's good or not, but

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she's like, man, she you know, she she

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um I'm not going to tell you what she

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said because it hurt. It hurt. But my I

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was telling one of my uh the guy who

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runs the company for me, ex Google guy,

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really smart. I'm like, you know, you

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ever notice, you know, you just don't

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get the respect you deserve when you go

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home at night? I mean, you can make like

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a trillion dollars. You could be the the

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baron of the business in whatever

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industry you're in. You go home, they

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don't give a crap. I mean, you you

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you're just a piece of crap. Am I

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complaining and venting a little bit?

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Maybe. Maybe. But see, I get to do that

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on the video because the queen's not

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here because I have to get up early and

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travel and she's not going to do that

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because she's the queen. What is an

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annuity for the queen and I?

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Legacy.

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Legacy. Put all of our money in migas.

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Grows and compounds tax deferred. And

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people go, "Well, you're leaving your

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daughters, the princesses, a big tax

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bomb. You okay with that?" You damn

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right I'm okay with that. They'll be

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okay. They'll be fine. they'll pay the

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taxes.

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What is an annuity?

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It's something that you should look at

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seriously.

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What is an annuity? It's the worst

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marketed product in the history of

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financial services.

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Annuitities. What is an annuity? It's

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the only product strategy that can that

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can guarantee an income stream for the

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rest of your life as long as you're

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breathing regardless of how long you

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live.

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Somehow, somehow the industry doesn't

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leave with that. They No, they're like,

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"No, let's talk about let's create

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products that might have potential that

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could possibly work." And I'm like, "Uh,

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hello. Um, hello. Um, we have a we have

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like a monopoly on lifetime income." Oh,

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no, no, no. Stand. Stand. People don't

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want that. People want the potential,

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the hypothetical, the theoretical.

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The unicorn's chasing the butterfly

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sales pitch. They want upfront bonuses,

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Stan. No, they don't. No, they don't.

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And you're saying, "Well, S, how do you

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know?" Because we're the biggest biggest

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sellers of annuities on the planet. And

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we only look at contractual guarantees.

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We do not look at the other side. So,

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I've proven it. I've proven it. Okay.

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What is an annuity?

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It's something that you really need to

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take a look at. How do you do that? Good

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question. You can go to my site at

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theanuityman.com. We have a brand new

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site. I'm very proud of it. Take a look

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at this uh the date of this um video. It

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launched here recently and it is like a

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rock and roll machine. You're like, "Hey

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man, are you coming out with an album?"

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No, but I came out with six owners

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manuals that you can download for free.

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Hey man, you going on tour? Maybe. But

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in the interim, you can go to my site

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and run quotes. You can run quotes

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without putting in your information,

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without putting in your email, without

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putting in your name, just your date of

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birth, where you're from, and and

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gender, if you can answer that question.

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We're giving it away. Why? Because we

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want you to make good decisions. Why?

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Because we're hoping that you're going

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to try us. I have the biggest staff in

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the business, all under one roof, and

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we're open 68 hours a week.

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One last thing. I did a video that um is

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needed. It's called attention all

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annuity haters. You already own an

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annuity. You might want to watch that

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because if you're saying I don't care. I

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don't care about what you do and you go

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in and out of these you southern

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northern speak. I don't care about that.

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I'm never going to buy an annuity. You

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already own one. Chester watch it. Live

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it. Learn it. What is an annuity? is

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something you already own and something

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you might want to own more of

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contractually. My name is Stan the

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annuity man.

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See you next time.