Which Feature Of Indexed Annuities Prevents Any Negative Index Returns?

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So the question is which which feature

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of index annuities

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prevents any negative return? Boy,

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that's an easy answer to lay up. But but

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and it's as only I can do. I'm going to

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expound on that and I'm going to tell

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you a little bit more that you need to

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know and why that this question this

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interesting question um is just just a

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part of it. It's just like when you see

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an iceberg floating, there's lots more

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iceberg underneath the water. There's a

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lot more index annuity iceberg

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underneath the water of which we're

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going to look at and we're going to

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analyze after this.

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I think I forgot to tell you I'm Stan

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the Annuity Man, America's annuity

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agent, licensed in all 50 states, Puerto

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Rico.

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top agent in the country, America's

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annuity agent. I mean, I'm I'm that I'm

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all that. And I wear logo gear and I

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love I heart contractual guarantees.

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Why? Because I'm the pioneer of CGO,

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which is contractual guarantees only.

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So, the feature of index annuities that

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prevents it from any negative return is

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the fact that it's a fixed annuity.

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That's it. [laughter]

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Not to get I I'm assuming that if you

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ask that question to Johnny Apples Seed

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agent down the road from you, he'd be

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like, "Well, let me tell you."

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No, it's fixed annuity. Um, index nuis

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to create CD returns to create CD

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returns, not market returns.

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God, if I hear another, well, he told me

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I'm gonna get market upside with no

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downside and upfront bonus. I'm like,

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"You're the dumbest person I've ever

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heard." I just lost IQ points listening

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to you. Don't be that person. You're

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smarter than that. Somehow when people

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go into these seminars for index

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annuities, they leave their IQ at the

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door and they eat the flet m.

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That's some good flet mñan.

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They're fixed annuities, okay? They're

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they're CD type annuities. They were put

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on the planet in 1995. to create CD

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returns and oh by the way in the biggest

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raging bull market 1995 to now check the

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date CD returns nothing wrong with that

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if that was what was told to people

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okay so indexed annuities are sold as

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market return products they are not

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index annuities are sold as longterm

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they to provide long-term care writers

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which they do not because long-term care

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is a health insurance product there are

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long-term care annuities that are health

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insurance products, but they're not

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attached to index annuities. Index

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annuities are sold with upfront bonuses.

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Free money, man. This this company's

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giving free money. No, they're not. You

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can't be that stupid. Please don't be

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that stupid. Please don't be that

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gullible. Please don't be the sucker at

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the table, as they say in Las Vegas. And

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by the way, if you don't know who the

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sucker at the table is, it's you. It's

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you.

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Don't be that person. And if the person

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that's giving you this sales pitch is

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affiduciary,

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doesn't mean crap. That means they have

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a plaque on the wall and goes, "I'm a

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really nice guy. I'm a really nice gal."

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See, I'm a really nice guy. I'm a really

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nice gal. That means nothing. That that

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that doesn't mean that that they go to

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the front of the line of trust. They

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have a plaque on the wall. By the way,

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fiduciary means putting the co the

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customer ahead of the advisor, agent,

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whatever. Putting the customer's best

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interest ahead of them. Duh. Okay, that

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that's financial services in a nutshell.

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We don't need a plaque for that. We

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don't need a test for that. You either

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have that in your soul, you have that in

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your moral compass, and that's who you

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are, or you don't. A plaque on the wall

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doesn't mean that you're going to do the

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right thing. index annuities and now

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RIA's registered index annuity,

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registered index linked annuities, which

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is the brokerage world version of an

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index annuity, but fancier and more

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complex. I always tell people if if you

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want if you want market returns, don't

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buy an annuity of any type. And I'm the

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annuity man. I'm the top agent in the

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country. But I'm also a person that

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worked at Dean Witter, Payne Weber,

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Morgan Stanley, and UBS. I worked World

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Trade 2 before it before it fell. Okay,

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I've been there, done that, managed

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portfolios, managed the whole thing,

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managed hundreds and hundreds and

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hundreds and hundreds of millions of

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dollars. Ironically, now the annuity

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man, we manage billions of annuity

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contractual guarantees.

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Why? Because they're contractual

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guarantees. We don't have to revisit it.

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We don't have people calling up going,

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"Hey, uh, how's that uh how's that uh

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immediate annuity going?" uh

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contractually doing exactly what the

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paperwork said, hitting your bank

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account. Oh. Oh, how's that uh how's

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that MA doing with the fixed rate? The

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you mean the fixed rate that was

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guaranteed contractually for five years?

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It's going to do that. I mean, that's

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what we do. The problem with indexed

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annuities. The question that was asked

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is what part of the fixed index annuity

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protects from any downside? The

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structure does. It's a fixed annuity.

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It's fixed. It's principal protected. If

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you were going to ask yourself, what's

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the primary benefit of a fixed index

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annuity? It's because it's principal

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protected. Period. End of story. If you

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buy a fixed index annuity without an

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income writer attached, now currently at

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the time of this taping, we sell a

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quadrillion index annuities, but they

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all have income writers attached to them

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because people want lifetime income in

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the future, and that's the contractual

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guarantee. We do not sell them as

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standalones. But if you bought one as a

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standalone and bought the dream, you're

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not going to pay any fees. Can't say

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that for Rio's, but that's a registered

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product, SEC Finner product. I used to

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have that license. I don't need that

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license. Could pass that test tomorrow

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blindfolded. Yes, the option side. Yes,

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the MUN side. Yes, all of it. Been

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there, done that. Not a problem. But

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index annuities are right now and and I

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think forever will be unless the annuity

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industry

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cleans it up or enough of these videos

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get out there. That's the problem.

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That's the that's why the industry is is

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getting still continuing to get the bad

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reputation because if it sounds too good

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to be true, it is every single time. But

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if I said to you, a fixed index annuity

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is going to give you CD returns and

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protect your principal and you can

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attach an income writer for lifetime

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income if you'd like, that's a

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legitimate

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explanation of the product. But if I say

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you're going to get market upside with

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no downside, a 20% upfront bonus, and

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free long-term care, that's garbage.

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Once again, you're going to get a CD.

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Here's mine. You're going to get a CD

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return, and you're going to get full

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principal protection. And if you choose

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for lifetime income at a future date, we

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can put an income writer attach it at

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the time of application. That's the

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annuity man version of a of a fixed

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index annuity presentation.

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Bad chicken dinner seminar, expensive

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state dinner seminar. You get market

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upside with no downside, a 20 25%

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upfront bonus, and free long-term care.

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There's only one part of that that that

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Ian needs to be paid attention to, which

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is no downside.

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All the rest is garbage and and puke.

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Annuity sales puke. So, in conclusion,

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index annuities protect your principal.

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That's a wrap. But should you buy it

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just for that? No, you shouldn't. There

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should be remember two questions. What

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do you want the money to contractually

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do? When do you want those contractual

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guarantees to start? Don't come to me

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and say market returns because I'm going

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to say don't buy it. But if you say, "I

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want lifetime income with an income

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writer and CD returns on this other

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side," then let's consider it. Do me a

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favor, go to my site, theanuityman.com.

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Schedule a free consultation with my

8:21
team. Or if you want me oneonone, you

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can get that. Stantheanuityman.com

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is my direct email line.

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stantheanuityman.com.

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I will respond and fit you into my

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schedule over a I work seven days a

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week. So, you know, I'm going to fit you

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into that schedule if you really want

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me. But I have a full team in place in

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my Las Vegas office, all licensed, not

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on commission, but there to help um you

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get across the finish line and get those

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contractual guarantees you need. Do me a

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favor. I did a video on lifetime income.

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I explained it as only I can without the

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fluff, without the sales pitch, without

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the nonsense on what you need to

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understand and why you need to

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understand it now. It's worth watching.

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Okay, my name is Stan the annuity man. I

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heart contractual guarantees. See you

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next time.