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“Fun With Annuities” The Annuity Man Podcast

Aug 16, 2023

In this episode, The Annuity Man discussed: 

  • Annuities that increase with inflation 

  • The role of interest rates on pricing 

  • For products that adjust for inflation

  • Reverse-engineering your income floor


Key Takeaways: 

  • Annuities don’t give things away for free. A product that magically increases with inflation doesn’t exist. 

  • Lifetime income is primarily priced based on your life expectancy at the time you take the payment. Interest rates play a minor role. 

  • For products that have a potential or contractual increase for inflation, the annuity company will severely lower the initial income as compared to the exact annuity without the increase. 

  • Don’t focus on things that you can’t control. Focus on building up an income floor that suits your needs. Compute for the number you’ll need to cover your expenses; we can reverse-engineer a product for that. 


"It's math to the annuity companies. It should be math to you. If it sounds too good to be true, it is every single time. " —  Stan The Annuity Man. 


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