What Should The Return Be On A Fixed 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 of Puerto Rico. Founder of CGO

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contractual guarantees only. You own

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annuity for what it will do, not what it

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might do. Today's topic is what's the

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return on a fixed annuity? What should

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that return be? Stan the annuity man.

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That's that's broad. That's like which

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restaurant should I go to? I mean, it's

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it's we need to and I will kind of take

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that that question and just meld it down

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into the details and get a little

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granular with it because there's many

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types of fixed annuities.

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I'm do that after this.

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So, what should the returns be or the

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return be on a fixed annuity? Boy,

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that's a loaded question. Be careful who

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you ask that to. you will get an answer

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that sounds great that but will never

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materialize. So let's look at the fixed

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annuity types. There's there's four for

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lifetime income. Single premium

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immediate annuities, SPIA is the

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acronym, deferred income annuities, DIA,

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the acronym, qualified longevity annuity

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contracts, QAX, and then income writers.

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Those are the four that provide lifetime

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income. So what's the return on that

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standing annuity? Man, I can't tell you

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that until you tell me your date of

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birth or dates of birth if it's joint

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life because that's a life expectancy

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lifetime income product. There's no ROI

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until you die. What's the return on

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that? Tell me when you're going to die.

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Tell me when you're going to turn on the

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lifetime income stream. It's really that

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simple. Now, the one that's really easy

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to answer with this, what's the return

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on a fixed annuity? It's my multi-year

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guarantee annuity. It's uh the annuity

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industry version of a CD. I call them

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annuity bonds because you're buying a a

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life insurance company's piece of paper

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in essence and they're paying an

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interest rate for a specific period of

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time. Contractually, you know exactly

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what you're going to get compounded

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interest.

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You can also take the interest out if

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you want, etc. But you know exactly what

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it's going to be. That number is the

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number.

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But this question,

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what's the return of a fixed annuity? I

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think is primarily revolving around

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fixed index annuities, which is the

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highest commission product out there in

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the fixed annuity world, which means

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that it's the one that's pitched the

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most regardless of whether you would

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need one or not. It's the one that they

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say, "Well, you get an upfront bonus and

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you get market upside with no downside.

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You get free long-term care." Okay, all

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that's garbage. But the point is, Dow

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people say, "Well, what's the return on

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that?" Well, they were index annuities

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were introduced in 1995. I was around.

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I've written a book on it. You can

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download it at my site theanuityman.com

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on fixed index annuities. It's the it's

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the truth. It's the brutal truth about

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those these products. But they were put

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on the planet in 1995 to compete with CD

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returns. They are not market products.

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They are not securities. They are life

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insurance products that are issued at

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the state level. So when people ask

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what's the return on that, it's I mean

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they were put on the planet to get CD

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returns. Guess what they've gotten in

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the biggest bull market of all time

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since 1995? CD type returns.

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I had a guy call me the other day and he

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goes, "Well, this guy this guy showed me

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one and he says it's going to get seven

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to to 13% return." I'm like, "Tell him

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to put it in right and guarantee it and

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if he doesn't get it, then he has to

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make it up with his money."

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Call us bluff. That's crap.

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Market upside with no downside. I mean,

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if that's the case, that's all Goldman

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Sachs is buying. That's all JP Morgan's

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buying. That's all Credit Swiss is

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buying. That's my old employer, Morgan

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Stanley. That's all they're they're

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going to buy. Come on now. You're

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smarter than that. You are smarter than

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that. Now, if you want to go down the

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rabbit hole on fixed index annuities,

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I've done a ton of videos on those. You

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can go to my my uh YouTube channel and

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just type in the spacebar fixed index

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annuities and you'll see a bunch. You

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can go to my site and download the book.

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That's fine. You can schedule a call

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with me or email me

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stantheanuityman.com.

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We can have that discussion. But it's

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not too good to be true. And that's what

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I think where I think this this question

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is coming from. What's the return? This

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guy down the road, this agent at this

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seminar said it's going to get double-

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digit returns. That seems too good to be

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true. And they're going to give me an

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upfront bonus. That's because it's too

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good to be true. Those sales pitches,

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that's what's wrong with the industry.

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The the annuity industry, just an FYI,

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has a monopoly on lifetime income. It's

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the only product type that pays for as

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long as you're breathing. It's a pure

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transfer of risk. Yet, the annuity

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industry focuses on growth. That's all

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they're talking about. Potential,

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hypothetical, theoretical, back tested,

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unicorns chasing butterfly growth. Non-G

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guaranteed growth.

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I'm only about the guarantees all day,

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all the time. Contractual guarantees.

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So, what's the return? When you talk

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about fixed annuities for lifetime

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income, the return is based on your life

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expectancy at the time you take the

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payment. The older you are, the higher

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the payment. Duh.

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We can structure it so that 100% of any

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unused money goes to the family if you

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die early in the Learjet crash or the

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Lamborghini crash. So the evil annuity

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company doesn't keep the money. Okay.

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The purest return

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question on what what's the return is a

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MA multi-year guarantee return annuity

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is the return is like a CD. It's a

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guaranteed interest rate. You go to my

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site, you pull a MA feed, put in your

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state of resonance, put in the duration,

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you'll see it that's contractual. Every

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number you see there is contractual.

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But when we when we get into the

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hypotheticals

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and theoretical return, that's where the

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games are played. That's where the lies

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are made. And the agents that typically

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sell those, they don't care. They're

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just trying to get you to sign the

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paperwork. If you want market growth,

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don't buy an annuity. Real market growth

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does not have surrender charges.

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I'm the only one to say that. I'm the

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only one that's ever gonna say that.

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That's sad. Annuities are contractual

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guarantees. They are not hopes and

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dreams. Annuities are transfer risk

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products. They are not market products.

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If you remember just those things,

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then you're going to like the annuity

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that you're either considering to

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purchase or purchased. If you bought the

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dream, you know by now you own the

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contractual reality.

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I encourage you to go to my site, shoot

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me an email, stantheanuityman.com.

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You can schedule a call as well. You can

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download my books. You can sign up for

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my live event. I put out a video per

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day. I put out a newsletter every

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Saturday.

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We're going to educate you. I want you

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as a client. I have a great staff in

6:41
place in Las Vegas, Nevada. Biggest

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staff on the planet. All under one roof.

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All licensed, not on commission. They

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work as a team on your specific

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situation.

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We're open 12 hours a day, eight hours

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on sun on Saturday. That's 68 hours a

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week unmatched in the industry. We want

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you as a client, but on your terms and

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on your time frame. There's never

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urgency to buy an annuity. The urgency

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is for you to understand what you're

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buying. Do me a favor, one last thing. I

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did a video on how to use, you know,

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calculators and quote systems properly.

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Um, the cool part is that's my site.

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Yes, I am promoting that. Um, we are the

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only ones that have anonymous quotes.

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All you have to put in is your your date

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of birth, your gender, and your state of

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residence. No name, no email, no phone.

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Really, Stan? You don't want all that?

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You know, when I want that is when

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you're a client. That's so I can send

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you a hat and and we'll take care of you

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and we got to fill out the application.

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But up until then, the information flow

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needs to be on your terms. I could give

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a crap about email marketing systems and

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drip systems and alert systems. How

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about me just giving you the information

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you want on your terms anonymously? How

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about that?

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Yeah. Changing the annuity industry.

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also on my site by the way um the first

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virtual Stanley you can type in any

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question we did this uh recently and you

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know it's in version one so kind of a

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beta test but they took all 2,000 plus

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videos this the the books the 400

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articles and it's my voice it's my it's

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me it's me I guess they're planning on

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my death I guess that's what they're

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doing you know but but we keep

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innovating we keep in the first. But

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really what I want to get to is a 24/7

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365 place where you can go and um

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if you want to buy an annuity, you can.

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Also, too, and this is the first time

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I'm announcing this, um you can you can

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fill out applications without talking to

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anybody. Now, legally, you have to speak

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with someone that's licensed at the very

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end of the process, but we're the first

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to offer that as well. So, hello. Yeah,

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we're running straight toward the

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bullets and we're changing the industry.

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This is an archaic industry and it's

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boring.

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The CEO of my company is an executive

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from Google. I got cowboy boots older

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than him. He can't spell the word

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annuity. And that's a good thing because

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he comes out here first thing he went,

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"Why aren't y'all doing this? Why aren't

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you doing this? Why aren't we doing

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this? Why?" I'm like, "I don't know.

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Let's do it." So now you're getting

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ready to see it,

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but we still have the personal touch.

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I'm still going to send you a hat. You

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still get to talk to people. We're open

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12 hours a day. You still have access to

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me

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and the technology. How about that? And

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one video per day.

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Give us a shot. My name is Stan the

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Annuity Man. See you next