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“Fun With Annuities” The Annuity Man Podcast

May 4, 2021

In this episode, The Annuity Man and Gary Baker discuss: 

  • The pricing of lifetime income. 
  • How mortality tables (life expectancy tables) work and function within annuities and life insurance. 
  • The future of the annuity industry. 
  • How Cannex works with carriers and some of the challenges with doing so.


Key Takeaways: 

  • You buy a life insurance contract in the event that you die too soon, you buy an annuity in the event that you live too long.
  • Annuity companies don’t give anything away. If you add things onto your contract (like cost of living adjustments or cash refund options), it will change your payments. 
  • The annuity contract has been built to provide four basic types of insurance (but not all at once): tax deferral, death benefit, guaranteed income, and growth insurance.
  • It helps to have human, eyeball to eyeball, contact with these annuity products to ensure you are getting the best thing for your individual situation. 


"If you're looking to take advantage of some of these other unique features, for maybe more complex planning needs, you have to go to the specialist that's going to kind of configure the product for you at the end of the day." —  Gary Baker


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