What Is Better Than An Annuity For Retirement – Calculator

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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. The question

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of the day is, what is better than an

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annuity for retirement? So, products

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that are better than annuity? You know,

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obviously the answer is yes. I'm not

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some Homer that just says, "Oh, buy an

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annuity. You have to buy an annuity."

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But I'm going to give you the benefits

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and the limitations of annuities for

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retirement. and then look at other

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products as well and the combinations

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that you probably have to have to have a

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good retirement

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uh so you can go live your life. We're

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going to talk about all of that after

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this.

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Okay. So, what is better than an annuity

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for retirement? Let's talk about

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annuities and the monopoly that

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annuities have that no other products

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have and that's lifetime income. So, if

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you're looking for lifetime income,

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annuities have to be a part of what you

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already own. And you already own one at

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least, uh, one annuity, and that's

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social security. It's the best inflation

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annuity on the planet. You already own

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that one. Okay. So, the question is, do

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you need more lifetime income than that?

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And annuities have four products that

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provide lifetime income. SPSD issu

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Income writers. You can go to my site at

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theanuityman.com and run quotes. These

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are real quotes. These aren't estimates.

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run real quotes coming in from the

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carriers and I represent everybody. All

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you have to do is put in your date of

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birth, your your gender and your state

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of residence. You have to put you do not

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have to put in your name. You do not

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have to put in your email. You do not

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have to put in your phone number. Not a

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data company. I want you as a client,

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but I trust you uh to, you know, make up

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your mind. We don't have to ping you and

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email you and call you and all that

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stuff, but you can schedule call me call

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with me if you want to. So lifetime

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income is the primary reason that you

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would look at annuities. Annuities

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really solve for four things. The

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acronym is pill. P stands for principal

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protection. I stands for income for

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life. L stands for legacy. And then the

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other L stands for long-term care. So

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principal protection, income for life,

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legacy, and long-term care. That's what

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annuities contractually solve for. And

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we ask two questions of everybody. And

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those two questions are what do you want

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the money to contractually do? Underline

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contractual. And when do you want those

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contractual guarantees to start?

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Underline contractual. That's it. So

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when do you want, you know, 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?

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So if you, you know, want to protect the

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principal, just take interest off the

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top. That's a multi-year guarantee

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annuity, the annuity industry version of

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a CD. If you need lifetime income, you

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can run it two ways. You can run it

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solving for a specific monthly dollar

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amount or you can see what a lifetime

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what a large lump sum would would

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create, you can do that on my site and

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run those quotes. Um, and also too, if

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you find a guarantee that you like, you

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can do the applications online on my

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site or you can contact us and we'll do

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it for you. So, we do give you that. So,

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from a standpoint of retirement, um, you

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know, what's better than the annuity? I

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don't think it's what's better is how to

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use them. And you use annuities as

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transfer of risk products. These are not

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investments. They're transfer of risk

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contracts issued by life insurance

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companies. So, do you want to transfer

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the risk to solve for principal

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protection? Do you want to transfer the

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risk to solve for lifetime income? Do

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you want to transfer the risk to solar

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legacy? Do you want to transfer the risk

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to softer long-term care?

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Annuities make you a better investor.

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Never buy an annuity for market growth.

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Let me say it again just so you hear me

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because I'm the only one that's going to

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tell you this, but it's true. Never ever

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buy an annuity for potential market

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growth. Ever. And there's three of them

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out there that everyone's going to pitch

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to you because they're the highest

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commission products out there. Just

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don't do it. Put the income floor in

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place. Put the guarantees in place so

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that you can then go invest in the

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markets so when it's volatile, you don't

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have to sell anything because you have

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the income floor in place. We are Wall

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Street's best friend. We're your market

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investment's best friend. Now, the

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annuity industry, for whatever reason,

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focuses on products that, you know,

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there's three products that

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hypothetically could give you something.

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Screw that. Annuities are contracts. Do

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not buy annuities for market growth. If

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if someone's pitching you market growth

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with annuities, get up and walk out. Or

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better yet, ask with this annuity, is

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there a surrender charge? And if they

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say yes, get up and walk out. Market

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Growth doesn't have surrender charges.

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So, if you want to statically answer, is

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there anything better than an annuity

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for retirement when it comes to lifetime

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income? No. Annuities have a monopoly on

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lifetime income. It's the only product

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type, the only product category, the

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only industry that can pay for as long

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as you're breathing. There's no ROI

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until you die. If artificial

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intelligence, super intelligence solves

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cancer, diabetes, whatever, and you live

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forever, the annuity company's on the

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hook to pay. That's one of the reasons

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I'm saying for lifetime income, we got

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to go A+ or better.

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Because that's going to happen. If

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artificial intelligence can solve

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mathematical problems that's been around

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for 200 years, they're going to solve

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some pretty interesting and

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life-changing health issues. My hope is

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diabetes because I'm, you know, type two

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diabetic. Hope they solve it. And they

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might. And if they do, then that means

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the payments will be longer, which means

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the payments will be lower. Right now,

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this isn't a sales pitch. This is a

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fact. life life expectancy tables are a

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bargain right now cuz AI super

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intelligence has not affected that yet

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keyword yet now is there anything better

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than annuity for retirement when it

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comes to market growth and big returns

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those aren't annuities even though every

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agent's going to try to sell you that

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index annuity and they're going to say

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you're going to get market upside with

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no downside in this upfront bonus please

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don't be that stupid if there was such a

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product that did that then that's all

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Goldman Sachs and JP Morgan would buy.

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Right? Nod your head. They're not buying

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it. They're not buying index annuities.

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I'm telling you that right now. So, if

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they're not buying it, then why should

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you buy that sales pitch?

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Remember, you buy the contractual

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guarantees of the policy. You don't buy

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some hypothetical backtested number that

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some joker shows you and then throws on

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top of it, you get an upfront bonus.

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Come on now. See, if you ask that

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question to some agents, they'll say,

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"Yeah, I've got the product. It's

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perfect. He gives you market upside and

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principal protection. That's garbage.

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You know that instinctually. You know

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that. So many people have made that

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mistake believing that's going to

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happen. It's not going to happen.

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Nothing wrong with index annuities or CD

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products. They're just not guaranteed

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from a return standpoint. We use them as

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a delivery system for income writers,

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which are guaranteed lifetime income

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products that you attach to policies. So

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what's better? I don't think it's better

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is how do you utilize both non-annuities

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and annuities? I think they I think you

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need both. You already have both. You

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have social security. Whether you hate

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or like annuities, it doesn't matter.

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You already have social security. It's

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the best inflation annuity on the

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planet. Question is, do you need more

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lifetime income to fill in that income

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floor? Or if you say, Sam, we got enough

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income. We got pensions and social

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security and all this stuff, but we just

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want to protect the principal and get a

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guaranteed interest rate. That's a

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multi-year guarantee annuity. It's not

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an index annuity. It's a multi-year

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guarantee annuity because that yield is

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contractual.

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But the more guarantees you have in

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place, the better investor you're going

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to be because when it gets volatile,

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you're not going to disrupt that. You're

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not going to sell when you don't need to

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sell. The proportions will be better.

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You can't go all in on annuities and you

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can't go all in on the markets, but you

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can have a combination of the two. They

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work together. Annuities are

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noncorrelated, not attached to the

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market. You need correlation. So, you

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need stocks, you need mutual funds if

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you won't grow. Some of you have won the

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game. game you don't want to play

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anymore. I get that. But the majority of

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you are going to keep some in the

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markets and you're going to have the

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guarantees in place. That's when I said

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there's not there's not something better

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than annuities. It's just that annuities

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make things better.

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Contractual guarantees make you a better

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investor. You're a better investor

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because you have contractual guarantees.

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I encourage you to go to my site,

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download the free owners manuals. I got

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six. You can do that. I do a video a

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day. We post that on the site. I do a

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live event every month. You can email

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me, sthe theanuityman.com. You can

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schedule a call with me. You can do

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online applications for all of our

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products. My gasp is QAX income writers

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and we represent all carriers. You can

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do online applications.

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If you want us involved, you can

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schedule a call with me. You get me. If

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you don't want to talk to me, you can

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talk to Virtual Stanley on the site.

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That's the avatar that we put in place.

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247 365 answers of all my content. So,

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we give you the choice. So you can

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either use us humans or you can use AI.

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You can do whatever you want to do. I

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did a video on that. The spinning clock

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above me talks about this technology.

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Talks about the fact that the person

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running my company is an ex Google

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executive from the Gemini division who I

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convinced to come over and turn the

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annuity industry upside down, which he's

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doing. You know, he's he's drag dragging

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this old 62-y old across the finish line

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with him. But what we're doing, we're

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just getting started. It's going to be

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something that you're going to be able

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to shop 24/7 365, do business 24/7 365,

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but understand that we're open for

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business humans 12 hours a day for you

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and eight hours on on Saturdays, 68

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hours a week. It's exciting, exciting

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times. This is an old stodgy, boring

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industry that we're flipping upside down

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with technology and pro-consumer

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thoughts. So, hope that you give us a

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shot. Love to have you as a client. I

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guess we'll see you next time. It will

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be tomorrow because I do one of these

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every single day.