{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"FIAs: The Real Story: Shootin' It Straight With Stan","description":"In this episode, The Annuity Man discussed:  Annuities were never meant to be a market product  The complexity of index options  Misleading sales pitches to avoid listening to  Annuities solve for your specific goals    Key Takeaways:  Fixed indexed annuities were created in 1995 to compete with CD returns, not to provide true market participation. They are fixed annuities issued by life insurance companies, regulated at the state level, and not securities. There are over 750 index option choices and 50+ indices, with complex calculation methods that can change annually. Most index options are one-year long, and the insurance company can modify terms at each anniversary. Common sales pitches like "market upside with no downside" are misleading. Upfront bonuses are essentially marketing tricks, and claims about free long-term care are inaccurate. The most legitimate use is for guaranteed Income Riders. Indexed Annuities should be bought for principal protection, CD-like returns, or future income streams - not for growth. Always solve for specific financial goals and shop for the highest contractual guarantees across carriers.   "If you buy the dream, you're going to own the contractual reality, which means that if you're going to buy them, buy the contractual guarantee." \u2014  Stan The Annuity Man.    Connect with The Annuity Man:  Website: http:\/\/theannuityman.com\/  Email: Stan@TheAnnuityMan.com  Book: Owner\u2019s Manuals: https:\/\/www.stantheannuityman.com\/how-do-annuities-work YouTube: https:\/\/www.youtube.com\/channel\/UCCXKKxvVslbeGAlEc5sra2g  Get a Quote Today: https:\/\/www.stantheannuityman.com\/annuity-calculator!  ","author_name":"\u201cFun With Annuities\u201d The Annuity Man Podcast","author_url":"https:\/\/www.TheAnnuityMan.com","html":"