How Much Does A $100K Annuity Pay Per Month? - YouTube

Hello out there in YouTube land. Stan The Annuity Man here at the Stand The

Annuity Man YouTube channel. You have landed on the right place.

Who am I? I think I've said it twice so far. I'm Stan The Annuity Man,

America's Annuity Agent. Licensed in all 50 states and that is including yours.

You're sitting out there wherever you're sitting. Thanks for watching.

Topic today is the general question that everybody asks me because they

think all annuities are one type and they all work the same and they're all

price the same. So, the question is how much does $100,000 annuity pay? Or let me

do it my client voice. How much $100,000 annuity pay, Stan? I mean what's it paying? I

need more information from you there, Chester. But before we get into that and

we will get into all of that and what you need to give me the information so I

can give you the answer to the hundred- thousand-dollar annuity question. We have

to do music first, right? Oh, by the way, producer. Before we get to the music, you

got it. Anyway, we're going to do t-shirt shots, right? 'Sup? Eraserhead is a movie

that if you haven't seen it you have to see it because it's most bizarre movie

of all time. And there was at a point in time...

Produced, remember when I had my hair like that and then I cut it and my hair was

like that? I just kind of liked the end of my wife 31 years like, "Cut your hair,

please. You look like a freak." But I just let it grow. And it was like this tall. I kept

telling people I'm 6 foot, 6 but 7 foot, 2 with the hair. I digress,

of course. As you've seen my YouTube channel videos I digress a few times. But

here's what I want to tell you: This shirt was sent to me by a viewer. So, if

you want me to promote your thing, I think the guy's name was Jim or

somewhere he's from Wisconsin. Shout out to you. He sent it to me. Go to my about

part of the YouTube page. You can send it to me. I'll mention your name and where

your t-shirt. Hit the music.

Okay, I'm back. Walking into this praying. Here, Stan The Annuity Man, Americans

Annuity Agent at answering the question that everybody asks. "How much

does $100,000 annuity pay?" There's no good answer. There's no good answer and

in fact, in the annuity world, there's no good answer it's just bad sales pitches.

First of all, what type of annuity are you talking about? There's different

types. So, most people that are asking that question are asking it based upon

kind of a lifetime income stream question. They're saying, "I want to put

$100,000 into the annuity and I don't want it to pay for life." Okay, good

question. But remember that annuity lifetime income streams are based on

your life expectancy at the time you start the payment. If you're setting up

joint with a spouse or partner, its life expectancies. Plural. So, it's based on 2

life expectancies. So, I will need your dates of birth, date of birth or dates of

birth. If it's single, date of birth. Obviously. Dates of birth if it's joint

life. And then in addition to that, because there's 35 or more different

ways to structure a lifetime income stream palette. You're going, "Wait a

minute. 35?" I mean, yeah. Most people think. "Hey, when I die away, my Lear jet hits the

mountain, when my Bentley hits the tree, when my Ferrari fault runs off the road, when

my heart stops beating... Starts beating? It stops beating and I die, the

evil annuity company keeps the money. That's only one way. That's called life

only. Now, that's going to pay the most because you're accepting some of that

risk. But most people work very hard for their money. They're saying, "Hey, I don't

want that to happen. I want the lifetime income stream guarantee but if I die, I

want any unused money going to the listed beneficiaries of the policy."

Producer, would that be what you want? Yeah, exactly. Most people want that. So,

you've worked hard for your money. So, you're saying, "Okay, how much is $100,000

annuity pay?" I need that information. I also mean what state of residence you're in.

Not that I... You know, I'm licensed in all 50 states, it doesn't matter from my

standpoint. But from your standpoint, it matters because fixed annuities

are approved and regulated the state-level. So, we have to shop all

carriers for those annuities that are approved in your state. In addition to

that, I need to know what type of account you want to use. An IRA a non-IRA,

non-qualified checking account. A Roth-IRA. Whatever it is, the guarantees will be

the same just the taxation of the income coming out will be different. Right? Yes.

So, those are the details that I'm going to need. So, what does $100,000 annuity pay? It

depends on what you're talking about. So, we're going to talk about a couple other

types of annuities answering that question as well. Okay, let's talk about

payment annuities, income annuities but not for life, okay? So, the question again,

"Hey, Stan what's the $100,000 annuity pay?" How about if you're not looking at a lifetime income

stream, you're looking at just say it's going to pay for 10 years or it's just

gonna pay for 20 years. Or it's just going to pay for 15 years.

That's called a period certain annuity, okay? So, you need to tell me exactly the

period certain. Maybe you need a gap field for some income stream. We'll run

that. So, it depends on the period certain that you want. It doesn't have to be a

lifetime income stream. For any income quote, the other thing I'm going to need

to know from you is when do you want the income to start? So, dates of birth, where

you live, state of residence. How you want it structured, when you want the income

to start, type of account. You need that as well.

All of those parameters feed into the contractual guarantee. Of course, we have

the best annuity calculators on the planet. And I represent all carriers and

license in all 50 states. So, when we put your information in, we're going to find the

highest contractual guarantee for your situation. And when you're looking at

these type of products, income type of products whether it's for life or

whether it's for period certain or whether it's for a combination of the

2, we're going to need all that information, okay? And then I don't really

care who the carrier is. What I do is I put them information in, we get the

number and you're going to fall in love with the number. Not the company. Now, at

the end of the day we have to lose the claims-paying ability

the carrier, right, producer? Yeah. We... I mean, that we had the farrier backing up

the guarantee. We have to make sure that they can pay it. Common sense. So, what are

we going to do? We're going to look at the claims paying ability of that

carrier. We're going to look at the radiance service. Comdex rankings which

are also on my site. So, that all plays in. Okay. So, we were filming and so this

drone flew. It flew overhead and we're like, "Where's the drone, man? I think is

like... *Zzzz* So, someone's like trying to spy on Stan The Annuity Man. My competitors

which I really have none, they want to know what I'm doing. They want to know

where I'm shooting this video. Producer, we never reveal where we... I mean, I fly

into undisclosed locations and film these because you know, I'm getting

tracked, I'm getting followed at least in my mind, I am. So, listen. Okay, let's go

back to the question. What's a hundred-thousand-dollar annuity pay? So, we talked

about the income type annuities. How about multi year guarantee annuities

which are the industry's version of the CD. What's that pay? Well, it depends on

the duration that you choose and the guaranteed interest rate. So, if you're

taking out the interest on (say) a 5-year, it's going to pay a specific

interest rate annually if you want to take that out. So, that's the answer to

what that pays. Let's talk about other products. Variable annuities or

index annuities. Hey, Stan. What's the variable annuity or index annuity pay?" I

don't know. I mean, those are products that the accumulation value of them are

not guaranteed. In other words, variable annuities are based on mutual

funds. They call them separate accounts for some reason. THEY, the annuity

companies. Index annuities... And it's a little different. It's a fixed annuity but

the return is a non-guaranteed return based on a call option. Long story. But

with those, you really can't answer that hundred-thousand-dollar question.

Alright. Hopefully I have answered the question of what does $100,000 annuity

pay or how much am I going to get from a hundred-thousand-dollar annuity. Walk

away from this video saying, "Hey, he can't answer that." Nobody can truly answer that

without getting specific information on what you want

to look at. the type of product and if it's an income product for life we need

dates of birth and all the specific information. Bottom line, annuities

aren't just one product. When people say, "Well, I just hate all annuity, Stan." First

of all, you own one. It's called social security. Second of all, saying that it's

like saying you hate all restaurants. That's crazy talk is what it is, producer.

Crazy talk. Now, what isn't crazy talk is me giving away these books. Look at that,

producer. I'm a writer. I'm going to send these books to you.

That's about 40 pounds ago, producer. So... But I'm starting to eat chips again. So, maybe

I'll gain all that back. But I'll send these to you for free if you go to my

site at theannuityman.com. And because I'm like the king of all content for

annuities, I'm sucking the oxygen out of the room for annuities. You said, "What

does that mean?" That means that I write an article every day. I do a blog

every day. Uh-huh! I do a video every day and I do a podcast every week for now.

But I'm thinking about doing one of those everyday.

And you're saying to yourself, "Stan The Annuity Man, how's that even possible?" It is possible.

I have no life. I've been married for 31 years. My kids in their 20's, that's what I do.

Plus I'm an annuity educator and the number one agent in the country. So, if

you want to talk annuities or maybe thinking about buying annuity, talk to me.

Why wouldn't you? I'm the expert. Why wouldn't you do that? There's no reason

to. Say, before you leave, click the subscribe button and I will

see you on the next Stan The Annuity Man video.