Fun With Annuities® - The Annuity Man Podcast

By The Annuity Man

Fun With Annuities® podcast is hosted by America's Annuity Agent®, Stan The Annuity Man®. Hear brutal annuity facts with no sales pitches from the top independent agent in the country, licensed in all... more

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The podcast currently has 448 episodes available.

Best of Fun With Annuities® - The Annuity Man Podcast

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Number 1: Beware of the Fixed Index Annuity Bonus Churning Strategy: Shootin' It Straight With Stan
When an upfront annuity bonus looks too good to be true, it usually is—and the real cost can be buried in massive surrender charges and hollow promises. In this episode, you'll hear a blunt breakdown of the fixed index annuity bonus churning strategy and how to protect yourself from it. In this episode, The Annuity Man discussed: Dangers of upfront bonuses in fixed index annuities How bonus churning and flipping annuities harm consumers Surrender charges and predatory sales practices Why contractual guarantees matter more than hypothetical growth Practical steps to evaluate annuity offers and avoid scams Key Takeaways: Upfront bonuses on fixed index annuities are rarely "free money"; they're typically funded by giving up value somewhere else in the contract, such as lower income payouts. Moving from one annuity to another just to chase a bigger bonus often leads to large surrender charges and usually only benefits the agent through new commissions. Any annuity recommendation should be justified by clear, contractual improvements—not by hypothetical projections, marketing hype, or emotional persuasion. In most cases, it is better to use available penalty-free withdrawals than to accept a huge surrender charge just to enter a new "bonus" product. Annuities should be purchased for their contractual guarantees, not as growth vehicles, and any offer that sounds too good to be true almost always is. "Most upfront bonuses go to the income account, not the walkaway account. Income account's monopoly money." — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: [email protected] Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
August 30, 202611min
Number 2: I'm Your Annuity Life Coach & Annuity Oncologist: Fun With Annuities
In this solo episode, Stan The Annuity Man breaks down how to buy annuities the right way and why his no-data, real-time quote platform is changing the industry. In this episode, The Annuity Man discusses: Annuities as contractual guarantees, not hypothetical growth The "annuity life coach" and "annuity oncologist" mindset Anonymous, real-time quoting for SPIAs, DIAs, MYGAs, QLACs, and Income Riders Professional boundaries and no-pressure, no-outbound model Direct-to-consumer mission and cleaning up annuity industry "charlatans" Key Takeaways: Annuities should only be purchased for what they are contractually guaranteed to do, not for hypothetical or illustrated returns. A truly client-focused advisor is willing to say "you're putting too much into this annuity" or "you might not need this product right now." Providing real-time, anonymous quotes empowers consumers to explore annuity options without fear of being chased by salespeople. Financial advisors should maintain professional distance rather than trying to be friends, golfing buddies, or entertainers. Transforming the annuity industry requires radical transparency, direct-to-consumer access, and a zero-tolerance stance on misleading, high-pressure sales tactics. "You don't need a friend. You don't need a golfing buddy, and you don't need a meal purchased for you. You need someone telling you the truth." — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: [email protected] Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
September 01, 202610min
Number 3: The 3 Phases of Income Rider Taxation: Shootin' It Straight With Stan
Tired of annuity hype, bonuses, and rosy projections? In this episode, Stan The Annuity Man breaks down the three phases of income rider taxation and shows why the real value of annuities doesn't show up until your account hits zero. In this episode, The Annuity Man discussed: Contractual guarantees vs. hypothetical projections What income riders are and how they work The three phases of income rider taxation Solving for longevity risk and building an income floor How to evaluate annuities and run income rider quotes Key Takeaways: Annuities should be purchased for their contractual guarantees, not for hypothetical growth stories or back-tested projections. Income riders attached to indexed annuities are designed to deliver lifetime income, and the focus should remain on the income rider, not the index side. The taxation of income riders moves through three stages—gains, principal, then the insurer's money—each with different tax implications. The true power of lifetime income products only appears after the account value hits zero, when the insurance company is still obligated to keep paying. Using annuities to create an income floor can reduce the fear of outliving your money and help you invest more confidently with the rest of your portfolio. "When you buy an annuity, you're going to get a policy. That policy is a contract from a life insurance company that issues the annuity. So buy it for the contractual guarantees. Don't buy it for the dream." — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: [email protected] Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
September 06, 20269min
Number 4: Do Not Fund Your Agent's Incentive Trip: Shootin' It Straight With Stan
In this episode, Stan The Annuity Man pulls back the curtain on how annuity incentive trips can quietly distort recommendations—and how to protect yourself from funding your agent's next vacation. Discover why focusing on contractual guarantees, not sales gimmicks, is the only way to buy annuities on your terms. In this episode, The Annuity Man discussed: Incentive trips and conflicts of interest in annuity sales Fiduciary mindset and putting client interests first Why annuities should be evaluated by contractual guarantees only Using online tools to compare annuity carriers and rates anonymously The PILL framework and simplifying annuity decision-making Key Takeaways: Incentive trips create a powerful misalignment between what's best for the client and what's most lucrative for the agent, often steering people into the wrong annuity products. The only legitimate "agenda" in any annuity recommendation should be finding the highest contractual guarantees that match a client's goals and timeline. Acting like a fiduciary—putting the client's interests ahead of commissions and perks—should be the baseline standard for anyone selling financial products. Annuities are commodity products whose quotes change frequently, so broad claims about a single "best" product are misleading and potentially fraudulent. Consumers gain power when they can anonymously compare annuity options, focus on contractual guarantees, and ask just two key questions: what they want the money to do, and when those guarantees should start. "You only ask two questions when considering annuity: What do you want the money to contractually do? When do you want those contractual guarantees to start?" — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: [email protected] Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
August 23, 202610min
Number 5: Are You Surfing Beside a Stock Market Cruise Ship: Fun With Annuities
Are you "surfing beside a cruise ship" in today's all‑time‑high stock market, hoping you don't get sucked under when the next downturn hits? In this solo episode, Stan the Annuity Man breaks down how to use annuities to lock in lifetime guarantees, build an income floor, and stop confusing a bull market with financial genius. In this episode, The Annuity Man discussed: Current stock market euphoria and AI-driven highs The "surfing beside a cruise ship" risk metaphor What annuities are actually good for (PILL framework) The annuity industry's monopoly on lifetime income Building an income floor and avoiding growth-focused annuity traps Key Takeaways: Markets at all‑time highs can feel effortless, but that "easy money" environment can quickly reverse, especially when driven by hype cycles like artificial intelligence. Annuities should be used to provide contractual guarantees—such as principal protection and lifetime income—not to chase stock market–like growth. Before buying any annuity, you should clearly define what you want the money to contractually do and when those guarantees must start. The real, underused power of annuities is their ability to provide guaranteed income for as long as you live, something no standard market product can replicate. Establishing a non‑market‑correlated income floor first allows you to ride market waves more confidently without panicking or selling at the worst possible time. "If you buy them for growth, you're a fool. Annuities, never buy them for market growth. Go buy the market." — Stan The Annuity Man Connect with The Annuity Man: Website: http://theannuityman.com/ Email: [email protected] Book: Owner's Manuals: https://www.stantheannuityman.com/how-do-annuities-work YouTube: https://www.youtube.com/channel/UCCXKKxvVslbeGAlEc5sra2g Get a Quote Today: https://www.stantheannuityman.com/annuity-calculator!
August 18, 202610min