Best Single Premium Annuity Payouts - YouTube

Okay. So, you're interested in the best single premium immediate annuity payouts?

You should be. It's a pension. You want the highest

contractual guarantee. Hi, I'm Stan The Annuity Man. In this video, we're going to

cover everything about single premium immediate annuities. Now, here's the good

part. At the end, I'm going to tell you and give you specific instructions on

how to get my book single premium immediate annuity owner's manual. Hard to

say. That's me on the back. So, I'll send you that for free. And also, make sure to

watch my other video right there and pointing to it --What is a deferred

income annuity? And the reason that's important is that's the cousin of a

single premium immediate annuity.

So, how does one go about finding the best single premium immediate annuity

payouts? Obviously, you get a quote. StanTheannuityman.com. We'll quote all

carriers. But I think it's very important for you to understand kind of the basics

of the product --the immediate annuity structure so that you're going to make a

good decision. You'll understand what you're actually buying, right? An

immediate annuity fits in as part of your income floor. It's a pension. It

functions like social security. Meaning that the money's going to show up

in your account and hit your account every single month for the rest of your

life. I call that your overall income floor which is pension, social security,

dividend income. Whatever is coming in to to enhance your lifestyle or pay the

bills, that's where Immediate in to what he's truly fit and can complement your

portfolio. So, that income floor is where you need to be looking to place that

immediate annuity. And you can do a couple of ways of trying to find that

payout. The first way is "Hey, I have this lump sum. How much will that guarantee me?"

And remember, payouts are based on life expectancy at the time you take the

payment. Interest rates play a secondary role, not a primary role. So, don't try

to time rates. So, that's very important to understand. The second way to go about

it is, "Hey, Stan. We need..." (Pick a number) "...Twelve hundred and

fifty dollars a month for the rest of me and the spouses lives." So, what we do is

we reverse-engineer that quote to find the lowest amount of money possible (lump

sum) to create that monthly income stream. So, either way, we're finding the best

payouts. It just really comes down to the customizable nature of your request. Okay,

before we get into the limitations and the benefits of an immediate annuity, I

think it's important for you to know where it all came from. Because it didn't

just pop out of thin air 2 years ago. Try hundreds of years ago. Roman times,

Roman soldiers out there kicking butt across the world. You know, getting the

empire more land and stuff. Now, because those dutiful Roman soldiers, were doing

that. The Roman Empire said, "Hey, we need to take care of those cats. We need to

take care of them and family." That's where annuities

started. Back then annual means payment in Latin.

I think. This sure does. Look it up. Anyway, that's where immediate annuity started.

So, the dutiful Roman soldiers when they died, when they got stabbed; their family

got the income stream after that. So, that's kind of where it all started. So,

what are the benefits and limitations? Understand annuities are contracts.

They're not investments. They're contracts. Don't believe it buy one, you'll get a

contract. Now, the benefits, easy to understand. Transfer risks or

transferring the risk to the annuity company to pay you or you and someone

else for the rest of your lives regardless of how long you live.You lived

150. I don't know the ROI until you die. So, no fees, simple. Anybody can understand

it. It's a commodity quote. So, those are the benefits. Limitations?

It does have some. Number 1, loss of opportunity. "I should have bought that

stock but I put my money in the immediate annuity." if you say that, they

need didn't understand what you were buying, okay? Loss of opportunity. It's a

rigid contract. It's irrevocable. That's hard to say. Let me say it again.

Irrevocable in most instances with immediate annuity structures. Meaning, you

can't call me up in 5 years and say, "I've been getting 5 years of payments.

Man, I need you to just send me the rest of that money." Can't happen. Water faucet

ripped the knob off. Waters flowing with the immediate annuity. Once the income

starts, it's common. Now, obviously we can structure that so that 100% of any

unused money goes to your lovely beneficiaries or you can structure it

life only meaning that when your learjet hits the mountain, you're in... That you're

in Utah and you fly into the mountains of Utah, poof! Then the money goes poof.

That's the highest payment. But you don't have to do it that way. Everyone's like

"When I die, the money goes poof." It doesn't have to be that way, okay? You can structure it

so that 100% of the money goes to your beneficiaries. Are we clear on that? Even

though they're paying your lifetime income stream. So, just blow that

misconception out of the water. Okay. So, you're trying to get the highest payouts

for the immediate annuity. That's your goal. It should be your goal.Iit should be

the goal of the agent working with you --Stan The Annuity Man. That's my goal --to

find the highest contractual guarantee but were your specific situation. And

that payout again is based on your life expectancy at the time you take the

payment. Remember again, structuring choices. You can structure it so that

100% of any unused money goes to your listed beneficiaries. Someone

asked me a question of the day, "Well, Stan. What if I live forever?"

You know my life expectancy for all you males out there it's like 85 or 86. Your

wife's going to outlive you. It's an evil plot, it's a long story.

But he said, "Hey what if I outlive the money?" Well in most cases, your account...

Because the annuity is the payment is a combination of return of principal

plus interest. So, there's going to come a point, if you outlive your projected life

expectancy, there's zero in your account. Now, calm down. Sit down. You're saying, "I

don't like zero." No, you do like zero. And the reason you like zero is regardless

of what's in your account, the annuity company is still on the hook to pay you.

Regardless of how long you live. That's the transfer of risk benefit.

That's the reason I tell people, "There's no ROI. There's no return on investment

until you die. Because they're on the hook to pay." Now, that's pretty cool. If

you think about it. Now, if you have longevity in your family like aunt

granny or... (aunt granny?) granny lived to 105, great. You're going to beat the

insurance company. I have hundreds and hundreds and hundreds of clients. Their

accounts at zero with their immediate annuity. They're still getting payments.

That's pretty cool. That's the transfer of risk nature. Now, getting a quote, Stan

theannuityman.com will quote everybody. We'll send you the PDF via

email. We'll send you 2 or 3 different types of quotes. We'll show life

only or life with 20-year period certain. Life with installment refund.

Life with cash refund. And we explain how all that works. So, once again, if this is

a transfer of risk, lifetime income stream in your portfolio but you've got

to get a quote. And understand that quote is only good for about 7 to 10 days.

Like a gallon of milk, it the spoils. What that means it's as a competitive world,

it's a commodity. It's like buying a plane ticket and you need to quote all

carriers. And if you say, "Hey, Stan. I really like that specific guarantee with

that specific carrier." Then we lock it in and get the paperwork rolling so you can

get that guarantee. Okay. We're at the part of the video that is the

most important part. No, actually the other stuff was important too. But this

is the part where you get that book I was talking about at the first part of

the video. I'm going to send this book for free. No obligation, no cost, no eager

beaver salesman is going to show up at your door. You have to go to a bad chicken

dinner seminar because some annuity pitch. We're just going to send it to you. You know,

we're just going to.... We want you to understand the product before you make a

decision to purchase. You might come to conclusion it's not for you. That's fine

too. Here's the good part. You keep seeing this gold thing coming back and forth.

That's the package it comes in. Gold foil bubble mailer. It's going to be the talk

of your neighborhood when you get it just because it's shiny. But the reason

that we do that is so that the book will arrive unscathed and in perfect

condition. Now, I need you to do me a favor. Right below me,

right below me, that button, hit it. Subscribe. Hit subscribe. Why? Because

every day for infinity and I mean that, there's many new videos coming out. And

they're all going to be like this kind of conversational informational, right? Not

salesy. And you'll learn a lot about annuities. Now, to get the book, there's a

couple steps. If you look below me there's a standing new demand

description and there's words underneath the call "show more". Click the "show more".

You'll see a drop down magically appear. And then you'll see where you can click

a link to get the free owner's manual. And what you do is you fill in your

shipping information because we're going to ship it to you. Be a United States Postal

Service and this will magically arrive in about 7 days. Thanks for joining.