That 7.3% next to an immediate annuity isn't a yield. It reflects how long you're expected to live. In this episode, Stan explains why there are only two kinds of annuity rates, and why tracking the Fed won't help you get either one right.

In this episode, The Annuity Man discussed:

• The PILL framework: principal protection, income for life, legacy, long-term care

• Payout rates and life expectancy in lifetime income products

• MYGAs as the annuity version of CDs and bonds

• Why the Fed and annuity rates don't always move together

• Shopping all carriers for the highest contractual guarantee

Key Takeaways:

• A payout rate isn't an interest rate. Lifetime income payouts depend mostly on your life expectancy. The older you are, the higher the payout.

• MYGAs work like CDs. You lock in a guaranteed interest rate for a term you choose, from 1 to 10 years, and you can ladder several terms.

• Both rate types shift risk to the insurer. With a MYGA, you hand off interest-rate risk. With lifetime income, you hand off the risk of outliving your money.

• You can't time the market, so don't try. A carrier may cut its rates even when the Fed raises them, if it already has enough business from people like you.

• Treat annuities as commodities. Shop every carrier for the highest contractual guarantee, and for lifetime income, only use insurers rated A+ or better.

"Do not buy annuities for market growth. Listen to me: buy them for the contractual guarantees of the policy. End of story." — Stan The Annuity Man

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: Stan@TheAnnuityMan.com

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!

Former Wall Street broker turned annuity evangelist, Stan the Annuity Man, argues the industry's most misunderstood product is actually the market's greatest ally. Lock in a guaranteed income floor, he says, and you'll never panic-sell your portfolio again.

In this episode, The Annuity Man discussed:

• The income floor and non-correlated retirement income

• Four lifetime-income annuity types: SPIAs, DIAs, QLACs, income riders

• Why Wall Street resists annuities (wrap fees)

• Debunking the 4% rule

• Allocation limits, transparency, and anonymous quoting

Key Takeaways:

• Own an annuity for what it will contractually do, never for what it might do.

• A guaranteed income floor doesn't compete with your portfolio — it protects it, because you're never forced to sell into a downturn.

• Annuities hold a monopoly on lifetime income; no other product can pay as long as you're breathing.

• The 4% rule collapses the moment markets fall, since you're still withdrawing while trying to recover losses.

• Never go all in: the industry itself caps annuities at roughly 50–60% of investable assets, and the goal is to solve the income gap with the least money possible.

"If you want growth, don't buy an annuity. If you want guarantees, buy an annuity. It's that simple." — Stan The Annuity Man

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: Stan@TheAnnuityMan.com

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!

What if the cash sitting in your checking account could compound year after year without the IRS taking a cut of the interest every year? Stan, The Annuity Man, explains how Multi-Year Guarantee Annuities make that possible.

In this episode, The Annuity Man discussed:

• The PILL framework: principal protection, income for life, legacy, long-term care

• MYGAs as the annuity industry's version of a CD

• Tax-deferred compounding for non-qualified money

• Taking interest out, turning it on and off, and moving to a new MYGA without paying tax

• Why MYGA rates can be higher than CD rates

Key Takeaways:

• Buy an annuity for what it will do, not what it might do. Annuities are contracts that shift risk to the insurer. They aren't tools for market growth.

• CD and money market interest is taxed every year. MYGA interest in a non-qualified account grows and compounds with taxes deferred.

• You don't have to take anything out when the term ends. You can move the money into another MYGA without paying tax, and it keeps compounding.

• Need income for a while? You can take interest off the top and keep your principal, then switch the payments off when you no longer need them.

• MYGA rates can beat CD rates because insurance companies back them with other profit centers. That doesn't make MYGAs better than CDs. It just makes them a strong fit for non-IRA cash.

"Multi-year guarantee annuities - it is the biggest no-brainer of all time and the greatest example of the eighth wonder of the annuity world, which is compound interest." — Stan The Annuity Man

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: Stan@TheAnnuityMan.com

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!