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“Fun With Annuities” The Annuity Man Podcast

Feb 22, 2023

In this episode, The Annuity Man discussed: 

  • Social security is an annuity 

  • Why you can’t hate all annuities 

  • Structuring annuities 

  • Having contractual guarantees in place 


Key Takeaways: 

  • If annuities are all bad, then nobody should claim their pensions. Social security is an annuity, one that you already own. 

  • You can’t “hate all annuities”; it’s like saying you hate all restaurants. There are many different ways to structure an annuity, each serving a different purpose. Anyone who says they hate all annuities doesn’t know what they are talking about. 

  • The annuity company doesn’t have to take the money when you die. You have the choice to structure it so that it goes where you want it to go when you pass away. 

  • Would you rather take a 7-8% return and shoulder the risk, or would you rather have a contractually guaranteed 5% and transfer all the risk to the annuity company? When you’re getting ready for retirement, you need to already have contractual guarantees in place so that you can just live for the day. 


"Annuities are not for everyone. But annuities are good. Annuities are contractual. Annuities are transfer of risk products. " —  Stan The Annuity Man.



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