Fixed Indexed Annuities Explained

Поділитися
Вставка
  • Опубліковано 2 чер 2024
  • Are you thinking of getting a fixed annuity? Watch this video first! You'll get fixed indexed annuities explained in an easily understandable way, so you know exactly what you're getting into!
    Watch and Enjoy!
    Stan The Annuity Man
    Request Free Owner’s Manual Here
    ========================
    go.stantheannuityman.com/Vide...
    Key Moments in this Episode
    ========================
    00:00 Intro & Summary
    00:41 What Is A Fixed Indexed Annuity
    01:56 What Are The Upsides & Downsides Of Fixed Indexed Annuities
    04:33 What Is The Differences Of Fixed Index Annuities And Fixed Annuities
    05:24 Is Fixed Index Annuity An Insurance Or A Contract
    08:24 Book A Call!
    What To Watch Next:
    ========================
    How To Get Out Of A Fixed Annuity
    • How To Get Out Of A Fi...
    Other Resources
    ========================
    Visit Stan The Annuity Man’s website
    www.stantheannuityman.com/
    Learn more about Stan The Annuity Man
    www.stantheannuityman.com/abo...
    Get your annuity quote here
    www.stantheannuityman.com/ann...
    ========================
    Video by Nate Woodbury
    BeTheHeroStudios.com
    / natewoodbury
    #StanTheAnnuityMan
    #Annuity
    #TheAnnuityMan

КОМЕНТАРІ • 60

  • @YouTubeComments
    @YouTubeComments Рік тому +36

    Someone needs to explain why this guy doesn't have 1Mm subscribers? Totally under rated.

  • @zmack1830
    @zmack1830 Місяць тому +3

    Stan.....A mythological legend !

  • @epost1978
    @epost1978 Рік тому +8

    Turned 59 this year.....starting to get serious about retirement.......appreciate your candor and no- nonsense approach......you might be hearing from me in the near future.......doing my due diligence ....Thx

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  Рік тому +1

      Thanks for watching! If you have any questions, feel free to book a call with me!
      www.stantheannuityman.com/book-a-call/

  • @markseifried3959
    @markseifried3959 Рік тому +1

    I love the music and "Stanisfesto"!

  • @edg531
    @edg531 Рік тому +6

    If I can ask a very dumb question, on a joint annuity, once you’re in the “income for life” phase, in other words past 10 years and now getting paid out of the Protected Value, if both annuitants die, does any benefit go to the beneficiaries? To put it another way, I start with 125K investment, and after 10 years let's say my Accumulated Value is 160K and my Protected Value is 200K, and then we start “income for life,” and then 3 months later my wife and I both die in a car accident. Does the insurance company pay anything out to my kids?

  • @haze4840248
    @haze4840248 8 днів тому +1

    Two questions... 1) can you explain a little more about what you said about only needing to be licensed to sell LIFE insurance to sell FIA'S?
    2) Inerested in receiving the book you mentioned you'd send out, is there a link somewhere I missed to sign up to receive that?

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  5 днів тому

      For me to give you an answer about your specific situation, please feel free to book a call with us!
      www.stantheannuityman.com/book-a-call/

  • @fifty_fifty2x680
    @fifty_fifty2x680 Рік тому +1

    thanks

  • @bradjohnson2273
    @bradjohnson2273 Рік тому

    Stan, have you seen some of the newish style FIAs with ladder strategies? Im looking specifically at the north american secure horizon fia and they way they "invest" into their 5year point to point terms... any thoughts?

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  Рік тому +1

      I don't discuss specific carriers/products on this platform. If you'd like to have a conversation with me about a specific carrier or product, please book a call with me. www.stantheannuityman.com/book-a-call/ or send me an email - stan@theannuityman.com

  • @pennyhamm8204
    @pennyhamm8204 7 місяців тому +2

    Stan, I need immediate help. My financial counselor at the bank has been talking to us about rolling our 401k money to a fixed annuity through them at 5.65%. But I don’t think is FDIC secured. This is a locked in for 7 years. I hope you can help me.

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  7 місяців тому

      For me to give you an answer about your specific situation, please feel free to book a call with me!
      www.stantheannuityman.com/book-a-call/

  • @curiouscurious6558
    @curiouscurious6558 Місяць тому

    its always important to realize the difference between buyin a INSURANCE PRODUCTS AND INVESTMENT PRODUCTS. investment products are more upfront about displaying any commisions fees or meaning of terms. in the insurance industry you hear a term like "cash value" but the way its expained for instance in a whole life policy is extremely misleading. ANNUTIIES ARE PROBABLY MORE FOR PEOPLE WHO ARE WILLING TO SACRIFICE POSITIVE RETURNS FOR GUARANTEES. in my humble opinion

  • @cashrules520
    @cashrules520 7 місяців тому +1

    Why I love Navy Mutal, nobody can be their rates and terms if you're a Veteran. From 1yr to 20yr, I prefer their tax deferred annuities

  • @wendyphillips5002
    @wendyphillips5002 Рік тому

    Just ask any insurance guy to see the contract? They only want your money. Days or weeks later you will see the contract you signed unseen. Now, you have 3 days or less to return the contract and get your money back when you don't want it. Don't be surprised if it takes months to get your cleared check cash back to you.
    If you don't return this contract notifying the insurance company you want out. You are stuck in that contract.
    This is why the insurance sales guys will not let you see the contract that you signing without reading the contract.

  • @hotdog5966
    @hotdog5966 5 місяців тому +1

    Stan what are Piecemeal internal Roth Conversion Annuities? Seen on Dave McKnights video

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  5 місяців тому

      For me to give you an answer about your specific situation, please feel free to book a call with me!
      www.stantheannuityman.com/book-a-call/

  • @jorgevelasquez9955
    @jorgevelasquez9955 Місяць тому +1

    Who rates annuities? Where can we look at ratings?

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  Місяць тому

      Great question, please feel free to book a call with us to discuss!
      www.stantheannuityman.com/book-a-call/

  • @firemedic542
    @firemedic542 2 роки тому +2

    Went to a free dinner at Maggianos last night and this was the first time I ever heard of a fixed index annuity. One of the options was giving you 35% up front plus you get 50% of whatever the gain is. So if your FIA has a return of 6% one year, they’ll tack on an additional 3% which brings you up to 9%. Yes… it sounds too good to be true. I guess my logic is telling me that that company is making their money if the market yields more than what they’re obligated to give you?? This is all very new to me. I appreciate your video and insight. Thank you in advance!

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  2 роки тому +7

      The insurance company is making their money because you have to keep the annuity for life to get the bonus/addl interest. The only place you get the 35% + 50% above the gain is in the income account (called PIV in the product materials). There is a 10-year waiting period and then you must use the income account to turn on income for life. If you want to take your money out of the annuity any other way than lifetime income you do not get the bonus or the additional interest. The amount of misinformation floating around about this product is driving me nuts! I'm glad you found my channel.

    • @firemedic542
      @firemedic542 2 роки тому +1

      @@StanTheAnnuityMan I’m glad I found your channel also. I did meet with him again today because I was curious about the different products he was selling. He did in fact discuss creating a “pension” on the very term you just mentioned. So it sounds to me like once the term ends, If you liquidate the annuity, you miss out on the “bonus.” I subscribed to your channel and look forward to more education you provide. Thank you, sir!

  • @zenaidababcock3238
    @zenaidababcock3238 3 роки тому +2

    Is death benefit on the fixed annuity same as the income rider?

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  3 роки тому

      Zenaida, sometimes. Some income riders will pay the income rider value to the beneficiaries over a period of time, usually 5 years. Most income riders do not do this. The annuity/accumulation value will be paid on death.

  • @Strongsnider
    @Strongsnider 7 місяців тому

    What kind of averages can you expect from an Indexed non cap annuity…
    Looking for something above 10% if possible.

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  7 місяців тому

      I have calculators on my website where you can run quotes for your specific situation. No obligation. www.stantheannuityman.com/annuity-calculators

  • @zeandrelee5365
    @zeandrelee5365 3 роки тому +1

    How about for an index universal life insurance ? Principal protection, income for life, long term care. Correct ? I have this. while suffering from stroke

    • @ashleytaylor994
      @ashleytaylor994 3 роки тому

      Could you advance the death benefit ?

    • @zeandrelee5365
      @zeandrelee5365 3 роки тому +1

      @@ashleytaylor994 I believe it’s called living benefits as opposed to death benefits

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  3 роки тому +1

      Zeandre - we do not sell Life Insurance, including IUL. Annuities only here. Thanks for watching!

  • @gk_filer
    @gk_filer 10 місяців тому +1

    Hi Stan...I just had a pitch from an Agent. FIA from AIG 7.5% (Power Select Plus) Payout for 12 years Then account value goes to 0 at 12 years but the payout stays fixed for life at the 12 year point. Starting Payout amount in 200k 14000/year. I'm 70 wife is 65. Seems to good to be true. Point to Point 1year option of course with adjustable Cap of 5.25 and adjustable participation rates. How much can Caps and participation rates vary? Thanks

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  10 місяців тому

      I added a new option to my site where you can a no obligation "Second Opinion" exactly for this type of situation. www.stantheannuityman.com/second-opinion

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  10 місяців тому

      For me to give you an answer about your specific situation, please feel free to book a call with me!
      www.stantheannuityman.com/book-a-call/

  • @arthurcosper2808
    @arthurcosper2808 Рік тому

    Great video!

  • @leonkey297
    @leonkey297 Рік тому +4

    LOL. you were all over the place in this video, sounds like the bottom line for an FIA, is that it all depends on your needs. There are no major up- or down-sides. Not even if it's "too good to be true, it is..." What you are saying is that it's simply, "what do you want to use it for" That's really the question.

  • @samsciascia4004
    @samsciascia4004 9 місяців тому +1

    Correct me if I'm wrong you can't lose money on a Fixed Index Annuity but you can lose because of cost, correct

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  9 місяців тому

      Not accurate on the cost side. Let’s a book a call to discuss:
      www.stantheannuityman.com/book-a-call/

  • @mikecongelton4678
    @mikecongelton4678 Рік тому +1

    What is the address to get the book?

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  Рік тому +2

      The books will be available (for free) on my new website launching very soon!

  • @steve1604
    @steve1604 3 роки тому

    Is there a fixed annuity under an IRA umbrella?

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  3 роки тому

      Steve - I assume you mean can you use IRA funds to purchase a fixed annuity? The answer is yes.

    • @steve1604
      @steve1604 3 роки тому +2

      @@StanTheAnnuityMan Actually I was thinking about pulling from my 401k to purchase an annuity?

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  3 роки тому +1

      Yes - Assuming it is allowed by your 401k plan you can roll 401k funds into an IRA annuity.

    • @davidwalker6717
      @davidwalker6717 9 місяців тому

      @@StanTheAnnuityManthanks for your video there is so much to learn, I wondering can I buy any annuities to fidelity Roth IRA account. Is that annuities same value as open with insurance companies. Thanks

  • @JustaJuggernaut
    @JustaJuggernaut 6 місяців тому +1

    Can I still get a copy of that book?

    • @StanTheAnnuityMan
      @StanTheAnnuityMan  6 місяців тому +1

      You can download all of my annuity books for free with the link below:
      www.stantheannuityman.com/get-smarter/annuity-books

    • @JustaJuggernaut
      @JustaJuggernaut 6 місяців тому

      @@StanTheAnnuityMan thanks!!

  • @zackstrigin
    @zackstrigin Рік тому +4

    "or whatever they're pitching you" What a horrible way to start... the negative connotation you put on that is why some people never even get the product. You're trying to be the hero when in reality everyone else out here that I know is doing amazing honest work. "get my book" - "Schedule a time with me" - "are we clear yet? of course, we are" - "Sales pitch" - "candy for the stupid" " Make me and my wife happy" You're saying what the snakes say... You crap on other people and promise you're the answer. I love this industry but I don't like what you're saying, and the average person is fooled by snakes with a bunch of fluff words like this.

  • @wiseonebey7359
    @wiseonebey7359 2 роки тому

    So other the 3 % u get nothing

  • @johntempest7798
    @johntempest7798 3 роки тому

    I hope they’re not ! 😊👍

  • @dannywalker1635
    @dannywalker1635 2 роки тому +7

    I would never buy anything from you. You did not even explain the basic mechanics of the product. Just a lead generation video obviously.