There are only four reasons anyone ever buys an annuity—and in this episode, I walk you through each one using a simple acronym: P.I.L.L.

Whether you’re looking to protect your principal, create guaranteed income, leave a legacy, or prepare for long-term care, this breakdown will help you understand when an annuity makes sense—and when it doesn’t.

I’ll also share a powerful analogy about retirement income that ties it all together. If you're planning for the long haul and worried about outliving your money, this one’s for you.

Want to learn how to get more spendable income in retirement? Visit AtlasAnnuity.com to watch my full strategy series or schedule a quick call.

Why are there so many types of annuities—and what really makes them different?

In this episode, Marty breaks down how annuity features and benefits are designed by insurance companies. You’ll learn how actuaries use math, risk analysis, and market data to build annuities for different goals like income, growth, and protection. Marty also explains the trade-offs that come with each feature, why you can’t have it all in one product, and how to avoid buying an annuity that doesn’t match your needs.

If you’ve ever been confused by bonuses, income riders, death benefits, or annuity ads that sound too good to be true—this episode will help you see what’s really under the hood.

Want more? Watch the free video series: 20% More Spendable Income in Retirement

In this episode, I walk through a real conversation I had with someone nearing retirement who wanted guaranteed income starting in five years. Her advisor told her to stay in the market—but when we ran the numbers, the math just didn’t add up.

We talk about:

• How much return it would really take to match a guaranteed payout

• What happens if you wait to buy the annuity later

• Why starting a deferred income annuity early can lead to bigger, more reliable income

• How this strategy removes market risk from your retirement plan

If you’re thinking about locking in income for later in life—or just want to stop stressing about market swings—this episode is for you.