{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Carrier Ratings and State Guaranty Funds: Shootin\u2019 It Straight With Stan","description":"Think the state guaranty fund is your safety net? Stan pulls back the curtain on how these funds actually work, when they\u2019ve stepped in, and why carrier quality and claims-paying ability matter even more.   In this episode, The Annuity Man discussed:&amp;nbsp;   Understanding guaranty funds without relying on them   Treating annuities as confidence-driven decisions   Looking beyond ratings to real due diligence   Prioritizing strength, scale, and scrutiny in carrier selection   &amp;nbsp; Key Takeaways:&amp;nbsp;   State guaranty funds provide limited protection, but they are not comparable to the FDIC and cannot be used as a sales pitch. They exist as a backstop, not a primary reason to choose an annuity.   Annuities depend on trust in the insurer\u2019s ability to pay over time. Strong carriers and industry stability are essential to maintaining that confidence.   Ratings from major agencies are only a starting point. True evaluation requires digging into financials, operations, and potential risks that may not show up in headline grades.   Not all carriers are equal, even if highly rated. Size, stability, and deeper risk factors like private credit exposure matter, making disciplined filtering critical to long-term reliability.    &quot;Annuities are confidence products. You have to have confidence to give the money to the life insurance company.&quot; \u2014&amp;nbsp; Stan The Annuity Man &amp;nbsp; Connect with The Annuity Man:&amp;nbsp; Website: http:\/\/theannuityman.com\/&amp;nbsp; Email: Stan@TheAnnuityMan.com&amp;nbsp; Book: Owner\u2019s Manuals: https:\/\/www.stantheannuityman.com\/how-do-annuities-work YouTube: https:\/\/www.youtube.com\/channel\/UCCXKKxvVslbeGAlEc5sra2g&amp;nbsp; 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":"<iframe title=\"Libsyn Player\" style=\"border: none\" src=\"\/\/html5-player.libsyn.com\/embed\/episode\/id\/40792225\/height\/90\/theme\/custom\/thumbnail\/yes\/direction\/forward\/render-playlist\/no\/custom-color\/88AA3C\/\" height=\"90\" width=\"600\" scrolling=\"no\"  allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen><\/iframe>","thumbnail_url":"https:\/\/assets.libsyn.com\/secure\/item\/40792225"}