{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"There Are No Annuity Roller Coasters: Fun With Annuities","description":"There are no annuity roller coasters\u2014only contractual guarantees. In this episode, Stan \u201cThe Annuity Man\u201d breaks down why properly structured annuities should remove market drama from your retirement plan and how to avoid being taken for a ride by sales pitches. &amp;nbsp; In this episode, The Annuity Man discusses:&amp;nbsp;   The \u201croller coaster\u201d of expectations vs. actual contract terms   Why contract-based annuities avoid market swings   How MYGAs blend CD and bond benefits without volatility   Using lifetime annuities for income and legacy planning   Indexed vs. variable vs. RILA annuities: key differences   How bonuses and illustrations can set unrealistic expectations   &amp;nbsp; Key Takeaways:&amp;nbsp;   Annuities issued by life insurance companies are contracts, and when you buy them for what they will do (not what they might do), you eliminate the emotional roller coaster of market volatility.   Multi-year guaranteed annuities (MYGAs) act like the annuity industry\u2019s version of a CD or bond, but with an underlying value that does not fluctuate, making them attractive for the \u201cgo-go\u201d years of retirement.   Lifetime income annuities can be structured to provide a static monthly payment for life while ensuring that, if you die early, remaining value goes to your beneficiaries rather than the insurance company.   Products like variable annuities and RILAs\/buffer annuities often come with market exposure, moving parts, and hypothetical illustrations, which Stan rejects in favor of simple, contractual guarantees.   The real \u201croller coaster\u201d in the annuity world isn\u2019t the contracts\u2014it\u2019s the sales pitches, including unrealistic bonus offers and performance promises that don\u2019t match what the contract is actually designed to do.   &amp;nbsp; &quot;There\u2019s no roller coasters with lifetime income with annuities. There\u2019s a contractual guarantees. Period.&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!&amp;nbsp; ","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\/41659660\/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\/41659660"}