In this episode, The Annuity Man discussed:

• Anticipating AI-driven longevity shifts

• Understanding how annuities are truly priced

• Locking in today's assumptions before they change

• Choosing guarantees and carriers with intention

Key Takeaways:

• Advances in artificial intelligence are expected to significantly extend life expectancy, especially through medical breakthroughs. Longer projected lifespans will materially affect how lifetime income products are priced in the future.

• Lifetime income annuities are driven primarily by life expectancy tables, not just interest rates. Longer expected lifespans mean more payments and lower annual income for new buyers over time.

• Current annuity pricing does not yet reflect potential AI-driven longevity gains. Securing income under today's tables may result in higher lifetime payouts than those available later.

• Lifetime income annuities function as risk-transfer products, not return-on-investment vehicles.

• Selecting A-rated or better carriers is critical to ensure guarantees remain intact as longevity assumptions evolve.

"Lifetime income is all about that income floor, the income coming in, or the income you're planning for your spouse or your kids." — Stan The Annuity Man

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: Stan@TheAnnuityMan.com

Book: Owner's 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!

In this episode, The Annuity Man discussed:

• Understanding MYGAs as CD alternatives

• Using tax deferral to improve long-term growth

• Extending deferral through strategic rollovers

• Evaluating liquidity and fit

Key Takeaways:

• A Multi-Year Guarantee Annuity functions like a CD with a fixed rate and a defined term. It offers principal protection, no market exposure, and predictable growth. Terms typically range from one to ten years, depending on the carrier.

• Unlike CDs in non-qualified accounts, MYGA interest is not taxed annually. Taxes are deferred until withdrawals are taken. This allows earnings to compound uninterrupted over time.

• At the end of a MYGA term, funds can be withdrawn or rolled into a new MYGA. A 1035 exchange allows this rollover without triggering taxes. This process can be repeated to defer taxes indefinitely.

• MYGAs often allow limited annual withdrawals, with gains taxed first. They appeal to those seeking stability, tax efficiency, and legacy growth.

"Multi-year guarantee annuity is the annuity version of a CD—fixed rate, no moving parts, no market attachment." — Stan The Annuity Man

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: Stan@TheAnnuityMan.com

Book: Owner's 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!

In this episode, The Annuity Man and Tom Hegna discuss:

• Saying no to DIY retirement

• What is the right age for retirement is

• How annuity addresses inflation

• Securing guaranteed lifetime income with annuities

Key Takeaways:

• Retirement is not a DIY project; do it with a professional.

• The age for retirement would not be the same for many. If you want to get the optimal age, you have to spend some time calculating all the factors that go into it.

• Be creative in doing something that can help your retirement. It's okay if you have to do a side-hustle or work longer.

• Having a huge income guaranteed allows you to make riskier and therefore more rewarding investments.

• When the account is drawn down to zero, the annuity company is still on the hook to pay.

"They found that the happiest people in retirement were those people who were surrounded by their families and friends, and had guaranteed paychecks every single month." — Tom Hegna

Check out Tom's Books here: https://tomhegna.com/shop

Connect with Tom Hegna:

Website: https://tomhegna.com/

LinkedIn: https://www.linkedin.com/in/tomhegna

Facebook: https://www.facebook.com/TomHegnaSpeaks/

Twitter: https://twitter.com/tomhegnaspeaks

Pinterest: https://www.pinterest.ph/retirehappynow/

YouTube: https://www.youtube.com/c/tomhegna

Connect with The Annuity Man:

Website: http://theannuityman.com/

Email: Stan@TheAnnuityMan.com

Book: Owner's 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!