Welcome to another episode of the I Love Annuities Podcast with your hosts, Jeremiah Konger and Zachary Van Es — The Annuity Dudes! In today’s episode, we’re breaking down everything you need to know about the Annuity Best Interest Standard — also known as NAIC Model Regulation #275.We’ll explain how this regulation is transforming the annuity industry, increasing consumer protections, and elevating the standard of care retirement-focused advisors must follow. If you’re shopping for an annuity or already own one, this episode is a must-watch to understand how this rule may impact your financial future.🧠 What You’ll Learn in This Episode:What is the Best Interest Standard for annuities?How it differs from the old suitability ruleHow it compares to the fiduciary standard used by investment advisorsA current list of states that have adopted the regulationHow this rule helps protect annuity buyersWhat to ask your annuity advisor to make sure they’re putting your interest first⏱️ Timestamps:00:00 – Intro01:30 – What is the Annuity Best Interest Standard?07:00 – Suitability vs. Best Interest: What’s Changed?12:00 – Is This the Same as a Fiduciary Standard?18:00 – Which States Have Adopted Model Reg #275?23:00 – How the Rule Helps Consumers30:00 – Questions to Ask Your Annuity Advisor36:00 – Our Discovery Meeting Process38:00 – Final Thoughts & Outro🔒 Why This Matters:With over 40 states already adopting this regulation, it’s critical to understand how your annuity purchase is being evaluated and what rights and protections you now have. This regulation requires advisors to consider your:Financial objectivesRisk toleranceLiquidity needsLong-term retirement goals…and provide transparent disclosures and documentation.✅ Get a Free Annuity Discovery Meeting:Want personalized help evaluating annuities under the Best Interest Standard? 👉 Schedule a free discovery session with us: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=youtubeRequest Free Annuity Rates Report:https://annuityassociation.com/podcast-annuity-reportWe use our exclusive Multi-Point Annuity Inspection process to help you find the annuity that aligns with your goals.

🔍 Wondering how annuity commissions really work? Are annuity fees hidden, excessive, or fair? In this episode, we break down the myths and reveal the truth about annuity commissions and how they compare to traditional investment advisor fees. We also dive into how today's annuity advisors are held to a Best Interest Standard — similar to fiduciary responsibility.Whether you're considering a fixed indexed annuity, a MYGA, or an income annuity, this episode will help you make an informed, confident decision.⏱️ Timestamps00:00 – Intro: Why this episode matters01:50 – Commissions vs. Annual Fees: What’s the difference?05:20 – How annuity commissions actually work (by type)10:40 – Fixed Indexed Annuities (FIA): Transparent and low-cost13:05 – MYGAs and Income Annuities: Simple, one-time compensation15:40 – Variable Annuities: The exception, not the rule17:55 – Comparing to 1% AUM management fees over time21:40 – The myth of “hidden annuity fees” — debunked24:10 – How annuity agents are regulated: Best Interest Standard Model #27527:35 – Are annuity professionals fiduciaries? (Let’s talk nuance)30:20 – Listener question: “How can I see what fees I’m paying?”32:45 – 3 Key Takeaways34:00 – How to get our free Annuity Fee Comparison Worksheet💡 What You'll Learn:How annuity commissions vary by product type (FIA, MYGA, SPIA, VA)The difference between carrier-paid commissions vs. AUM-based advisor feesHow annuity agents are held to a Best Interest Standard in 40+ statesWhy annuities often have no ongoing feesWhen income riders are worth the cost — and when they're notHow to evaluate value over fees when making retirement income decisionsWant to Chat with Matt & Zach? Schedule Here : https://annuityassociation.chilipiper.com/concierge-router/link/annuity-researchers-routerWant to Compare Hundreds of Annuities Side by Side? Request Your Free Annuity Report here: https://annuityassociation.com/podcast-annuity-report

We cover record sales numbers in 2025 and discuss what attributes are leading to more retiring is buying annuities.

This episode of the I Love Annuities Podcast, Jeremiah and Zach, the Annuity Dudes, break down how annuities are taxed in retirement. Discover what annuity exclusion ratios are, how Fixed Index Annuities are taxed, how annuity death benefits are taxed for spouses and non-spouses and much more. #Annuities #FixedIndexAnnuities #RetirementPlanning #LifetimeIncome #RetirementIncome #SPIA #DIA

We discuss laddering annuities, a strategy for maximizing retirement income and managing interest rate risk. Explore how to create a personalized retirement plan that delivers income when needed, focusing on MYGAs and fixed index annuities. #Annuities #RetirementPlanning #FinancialPlanning #MYGA #FixedIndexAnnuities #RetirementIncome #Laddering #FinancialFreedom #InvestmentStrategy #AnnuityDudesSchedule Free Annuity Discovery Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=youtube

Request Free Annuity Report: https://annuityassociation.com/podcast-annuity-report

We explore how cognitive aging impacts finances! Discover the financial risks, like scams & poor decisions. Learn how annuities, legal protections, & family involvement can safeguard your future & avoid becoming a burden. Secure your retirement now! #CognitiveDecline #RetirementPlanning #FinancialSecurity #AnnuityAdvice #SeniorFinances #FinancialLiteracy #ProtectYourAssets #EstatePlanning #RetirementIncome #FinancialFreedom

In this episode, we explore how today’s shifting economic forces—interest rates, market volatility, and inflation—shape annuity payouts, income guarantees, and your overall retirement strategy. You'll learn how annuities are linked to the 10-Year Treasury, how insurance companies invest premiums into bonds, and how Fixed Index Annuities (FIAs) use options budgets to deliver growth with principal protection.We’ll walk through:The correlation between annuities and interest ratesHow carriers’ bond portfolios support guaranteed incomeWhat the 10-Year Treasury tells us about timing annuity purchasesHow FIAs build index-linked growth potential without risk of lossWhy inflation matters and how to build a resilient retirement income plan👇 Timestamps00:00 – Intro: New music and adapting to change01:00 – Economic shifts and their retirement impact03:00 – Why the economy matters more in retirement07:00 – Interest rates & annuity income correlation10:00 – What the 10-Year Treasury tells us13:00 – How insurance carriers invest annuity premiums16:00 – Options budgets in Fixed Index Annuities (FIAs)20:00 – Real example: 2020 vs. 2024 annuity payouts23:00 – Market volatility & sequence of returns risk27:00 – “Zero is your hero” and market downside protection30:00 – Inflation and how it affects annuity income33:00 – Ways to keep pace with rising costs36:00 – How to time annuity purchases strategically39:00 – Using the Multi-Point Annuity Inspection & Assurity Score42:00 – Final thoughts & how to get in touchSchedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper...Request Free Annuity Rates Report: https://annuityassociation.com/podcas...

Are you prepared for the high cost of long-term care? In this must-listen episode, we explore how annuities with enhanced income benefits can protect your retirement and provide a lifeline for long-term care needs. Featuring Matt Sluizer, a leading expert in long-term care annuity strategies, we break down:✅ How Fixed Index Annuities (FIAs) offer LTC multipliers and income riders✅ Key benefits of OneAmerica’s Annuity Care and Asset Care products✅ Why Global Atlantic’s ForeCare Annuity stands out for LTC planning✅ Essential tips for planning and leveraging your assets for long-term careIf you’re approaching retirement and want guaranteed income, protection, and peace of mind, this episode is for you!⏱️ TIMESTAMPS00:00 – Introduction: Meet Matt Sluizer & Today’s Topic03:10 – Why Long-Term Care Planning is Crucial for Retirees07:45 – Fixed Index Annuities with Enhanced Income for LTC Needs15:30 – Deep Dive: OneAmerica’s Annuity Care and Asset Care Products24:20 – Global Atlantic’s ForeCare Annuity Explained33:50 – Key Takeaways: Planning Ahead for Long-Term Care38:15 – Outro: Final Thoughts & ResourcesWant a second opinion on your annuity contract? Let The Annuity Dudes give it a no-fluff inspection.Schedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Rates Report: https://annuityassociation.com/podcast-annuity-reportlong term care,retirement income,retirement income planning,retirement planning,annuities,long term care annuity,what is a long term care annuity,long term care annuity how do ltc riders work,long term care annuity pros and cons

Learn how to pick the best annuity provider for your retirement. We’ll cover how to interpret carrier ratings from A.M. Best, S&P, Moody’s, and Fitch. Discover the most trusted ratings, and how to use the NAIC website to check a company’s financial health, history, and complaint record. Perfect for retirees and pre-retirees seeking a secure, guaranteed income stream.⏱️ Timestamps:0:00 Intro2:00 Why Choosing the Right Carrier Matters7:00 Understanding Carrier Ratings18:00 Most Trusted Ratings25:00 How to Use the NAIC Financial Overview35:00 Red Flags & Takeaways42:00 ConclusionWant a second opinion on your annuity contract? Let The Annuity Dudes give it a no-fluff inspection.Schedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Rates Report: https://annuityassociation.com/podcast-annuity-report

Understanding an annuity contract is crucial to making the right retirement decision. In this episode, Jeremiah and Zachary—The Annuity Dudes—dissect the anatomy of an annuity contract. From lifetime income to protected growth, they cover all the fine print: guarantees, riders, surrender periods, index crediting strategies, and your all-important free look period.🎯 Whether you're planning to protect your nest egg or create a guaranteed retirement paycheck, this episode is your go-to guide for inspecting annuity contracts like a pro.Want a second opinion on your annuity contract? Let The Annuity Dudes give it a no-fluff inspection.Schedule Annuity Discovery Zoom Meeting: https://annuityassociation.chilipiper.com/concierge-router/link/annuity-association-1st-appointment-routing?utm_source=podcastRequest Free Annuity Rates Report: https://annuityassociation.com/podcast-annuity-report⏱️ Timestamps0:00 – Intro: Why annuity contracts matter more than brochures2:00 – What is an annuity contract really?4:45 – Owner, annuitant, beneficiary: Who’s who in your contract7:00 – Accumulation vs. income phases9:20 – The section on guarantees: where the promises live12:30 – Contractual strategies for protected growth (FIAs)15:10 – Income annuities: irrevocable decisions & payout guarantees18:00 – The role of riders: income, death benefit, LTC21:00 – Surrender periods, withdrawal rules, and penalty traps24:00 – Free look period: your right to inspect and cancel27:00 – Multi-Point Annuity Inspection™ checklist explained32:00 – Common mistakes to avoid in the contract35:30 – Real examples and red flags to watch for40:00 – Final thoughts: Trust the contract, not the hype42:00 – Outro & how to get your contract reviewed