![Stan The Annuity Man]()
Stan The Annuity Man |
February 20, 2014 |
Deferred Annuities, Fixed Annuities, Inflation, Longevity Annuities, SPIA
Question: Inflation is something that worries me going forward. Can fixed annuities actually account for inflation? Is that possible? Eddie M. from Casper, Wyoming Answer: Great question Eddie, and I agree with you that the real possibility of future inflation is the financial gorilla in the room. I think everyone is concerned about it. Let me start by saying there is not an annuity on the planet that is the perfect solution to combat inflation, and no strategy anywhere can address hyperinflation. However, income annuities...
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Stan The Annuity Man |
January 23, 2014 |
Annuity Basics, Ask Stan The Annuity Man, Deferred Annuities, Fixed Annuities, Immediate Annuities, Index Annuities, Longevity Annuities
Question: I’m looking to set up a guaranteed lifetime income stream to start sometime in the future. Which is better, longevity annuities or income riders? from Tom in Portland, Oregon Answer: Excellent “head scratcher” Tom, and this is one of the most important questions currently in the world of annuities. What you are talking about is target date or income later planning. You want to plan a lifetime income stream to turn on in the future, and would like to be able to know to...
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Todd D. Heckman |
December 4, 2013 |
Deferred Annuities, Long Term Care, Longevity Annuities, Member Posts, Todd Heckman
The number of older Americans age 65 and older living in the United States by the year 2020 is projected to be 54 million. This is an increase of 54 percent from year 2000’s population of 35 million. It is no secret that the growth in older persons, members of the “Baby Boomer” generation (born 1946-1964), will place a greater demand on health care services than any other generation before and probably afterwards. This includes the need for care provided in the home or a...
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Stan The Annuity Man |
August 29, 2013 |
Annuity Basics, Ask Stan The Annuity Man, Fixed Annuities, Longevity Annuities, Longevity Annuity, Member Posts
Question: I’ve met with a couple of agents and advisors and keep seeing some of the same companies. Do all advisors have access to every annuity out there? Roy from Charleston, South Carolina Answer: This is an important question Roy, because a lot of annuity salespeople call themselves “independent”….but they might only recommend just a few of their favorite companies. Let’s take a look at the 3 primary types of annuity sales people that you will run across, and each of their annuity inventory limitations....
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Stan The Annuity Man |
July 18, 2013 |
Annuity Fees, Ask Stan The Annuity Man, Deferred Annuities, Fixed Annuities, Immediate Annuities, Index Annuities, Longevity Annuities, Member Posts, SPIA, Surrender Charges, Variable Annuities
Question: Can I buy annuities with no fees or surrender charges? Are there no load annuities like no load mutual funds? Ron in Roanoke, Virginia. Answer: Phenomenal question Ron! The annuity industry is very late to the party when it comes to “no load” type offerings that are common in the mutual fund industry. No load can mean a few things. It can refer to no fees for buying a strategy, no fees to keep the strategy, and no fees to sell the strategy. Let’s...
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Stan The Annuity Man |
July 11, 2013 |
Annuity Definition, Ask Stan The Annuity Man, Longevity Annuities, Member Posts
Question: What is a longevity annuity? Is this something new? – Ben from Dallas, Texas Answer: Thanks for the question Ben, and this is a product that I recommend a lot to my clients. The longevity annuity was actually introduced to the market about 7 years ago. It has also been called a “Deferred Income Annuity” and also a “Deferred Immediate Annuity.” Confused?….don’t be because its strategy is easy to understand, which is a primary reason for its growing popularity with consumers. First of all,...
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