Where Are The Best Annuity Companies For Retirement?

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Where are the best annuity companies for retirement income? I know. I know where

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they're hiding. I'm Stan the Annuity Man, America's annuity agent, licensed in all 50

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states. Before you get out of whack with this shirt, most of you that are old like me remember

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Bo Jackson. Remember the Bo Knows campaign with Nike? Well, you know, it was a neck-and-neck

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thing. Should we choose Bo? Should we choose Stan? Yeah. Lost. But I got T-shirts for it. And so

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I'm sitting in front of the camera, and I had a different Stan Knows T-shirt,

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and Big C behind the camera goes, "Hadn't you worn that shirt before, man?" I'm like, "Hey,

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dude, details. It was a different color." So, you know, found out something about Big C and

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Dr. V behind the camera. So, where are those companies hiding? Where are those

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annuity companies hiding? Where are you? Come out now. We're going to find them in just a second.

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So, where are the best annuity companies for retirement? Where are they located? First of

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all, that's kind of a loaded question. So, here's the first thing. Never ask an agent,

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what's the best company for annuity retirement? What's the best company for annuity? Fill in

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the blank. Never ask that ever, ever. Annuities, many different types. They are commodity products,

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meaning that there's no one company that's better than the other. There's no one product name that's

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better than the other. It all comes down to the contractual guarantees. I am the pioneer of CGO,

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contractual guarantees only. It is a movement in the annuity industry that's catching on very

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quickly because people are figuring out, and a lot of people that have bought the dream products,

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well, it's going to do this, it's going to do this, it's going — I can't guarantee it,

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but it's going to do this. And then they find out it doesn't do that. So

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if you start with only looking for the contractual guarantees

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and shopping for companies that provide those contractual guarantees, you're in good shape.

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So the question is, where are they? We're all — I mean, where do I find them,

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Stan? Tell me. Where are they? What's the name of them? First of all,

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my site. And that's not just some sales pitch. It's just that I'm an independent agent. I

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represent all carriers. I'm the top independent agent in the country. America's annuity agent.

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We represent pretty much every carrier on the planet. We like them all, but we don't steer you

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to any of them. We only look at who's providing the highest number for your specific situation.

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And your specific situation is different than Johnny Appleseed down the road,

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okay? Or your neighbor. You know, it's going to be about your age or you and your spouse's

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ages for life expectancy. It's going to be about how much money you want to put in. If it's Roth,

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traditional IRA, non-IRA, coming from your 401(k). Everyone's situation is unique.

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So in order to find those best annuity companies for retirement, understand that it doesn't matter

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the name, what matters is the contractual guarantees and the claims-paying ability

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strength ratings of that company. And we do that for you. For lifetime income, A+ or better. A+ or

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better, you don't need a sweater. Okay? A+ or better because we're going to marry — M-A-R-R-Y —

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marry that carrier for life. They've got to be there. They got to be strong. Okay? A+ or better.

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For MYGAs, we're dating that. We're dating them for a term. MYGAs are the CDs,

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the CD annuity. So, it might not be A+. It could be A+. But for lifetime income, SPIAs,

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DIAs, Income Riders, QLACs, A+ or better. No exceptions.

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And where do you find that? You find that on our site. Now,

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you can go to the site theannuityman.com and say, "Wait a minute. I'm not going there.

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The second I go there, some jack wagon's going to show up at my door and start calling me." No.

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I hate that. You know when you go to like a car dealership and

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you're really not even looking for a car, you're just walking around and somebody's like,

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"Hey, can I help you? Hey, can I help you?" I hate that. I hate that kind of selling.

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We don't do that. If you want to talk to us, you schedule a call and we'll call

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you at that time. We respect your time. You respect our time. That's what we do.

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So, a couple other things that we do to make sure that you're finding the best

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annuity companies for retirement. Yes, we look at their ratings: Standard & Poor's,

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AM Best, Moody's, and Fitch. Those are the four that we look at. Then we look

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underneath the financial hood and make sure everything's good.

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And then the third thing that we do is I consult with my policy delivery and application team. I

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call them the PDATs. And I say, "Okay, who's good to work with paperwork-wise? Who are we

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on hold with for an hour to get an answer?" And then from there, we'll make the recommendation.

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But they've got to check all three boxes. Just recently we had a company — really solid company,

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solid rating, solid financial — but scored an F-plus on the administrative side. Complete

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disaster. Arrogant disaster to work with. We're not going to put you through that.

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We're not going to put my team through that. We're going to filter all of that for you.

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So, when we're talking about best annuity companies for retirement,

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it's not just the contractual guarantees, but that's important. It's not just the ratings,

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but that's important. It's not just the financials,

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but that's important. It's also the administrative side. Nobody does that.

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We have our own risk mitigation scoring system. It's that important to us to make

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the experience that much better for you. And honestly, for my team

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as well. I don't want my team on hold for two hours trying to get

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a yes-or-no answer from a carrier that's strong but they aren't staffed properly.

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So best means a lot to us. But it all starts with your situation. It all starts with your

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answer to two questions. What do you want the money to contractually do? When do you want

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those contractual guarantees to start? And then from there, we're going to say,

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"Okay, this is a great company to work with." They check all of our boxes,

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which means you should go ahead. That's what best means to us.

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All annuities are issued by life insurance companies. All commissions with life insurance

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and annuities are built into the product, hidden from the customer. That does not motivate us.

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And you say, "Yeah, sure. Right, sure." Every single person in my office in Las Vegas except

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for my marketing CEO — everyone else licensed in all 50 states. Every single one of them.

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But every single one of those people is not on commission.

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Commissions are paid to a general account, but they're not motivated to sell you something.

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People say, I heard someone say the other day — no one wakes up in the morning wanting to buy

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an annuity. And I'm like, you might be right about that, but we are the place you

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go to buy one. You make your decision on your terms and on your time frame. Period.

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There's no urgency. Someone's saying, "You need to really sign the paperwork.

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This bonus is going to go away." They need to go away. That means they're missing their car

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payment. They're trying to jam something down your throat. Don't let it happen.

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The urgency is for you to understand what you're buying. The urgency is

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for you to be able to explain it to a 9-year-old. No offense to

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9-year-olds. The urgency is for you to shop all carriers.

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Go to my site, theannuityman.com. You can do that

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on your own terms. You never have to engage with us ever. Hopefully,

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you'll use us, but you don't have to do that initially. You can go and shop around.

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All of the calculators that I offer are free. You can run as many quotes as you want. You can

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contact me directly, [email protected]. Give me some grace. I get a lot. I get

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four or 500 a day, but I'm going to respond, okay?

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And hopefully, you'll build that trust with us that

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we can offer the best annuity company for retirement, for your retirement,

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for your specific chapter 2. Chapter 2 is all about you. Chapter 2 is all about guarantees.

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Chapter 2 is all about your income floor. And hopefully we can be a part of that.

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So, now you know, annuities are commodity products. There's not one just best annuity

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out there. If there was, that's all I'd be talking about. But these are commodity products. We shop

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them all. Quotes change every 7 to 10 days like a gallon of milk. I guess they spoil,

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right? Big C behind the camera. That's what my grandmother used to say. "Smell this milk.

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Is this milk blinky?" Blinky in the South means sour. So yeah, blinky. Take that with you, Big C.

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Hey, do me a favor. Click the subscribe button. Do all that stuff. That's important to me, but

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I don't live and die with all that. I'm proud to have what we have on YouTube. You leave comments,

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we're going to read those. And just be nice. If you're going to be mean, just email me directly,

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[email protected].

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And do me one last favor. Above my head right up here, there's a box that just magically appeared.

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That's a link to a video that I did concerning how the process works, how the application process

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works. When you become a client, you need to know that — unless you don't know that. You shouldn't

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know that unless you purchased an annuity before. But our system is a lot different.

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We have a complete division that's all they do, is take care of you from start to finish.

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So, with that being said, my name is Stan the Annuity Man. Never forget, Stan Knows.

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See you next time.