Fixed Indexed Annuities Explained

Are you thinking of getting a fixed annuity? Watch this video first! You'll get fixed indexed annuities explained in an easily understandable way, so you know exactly what you're getting into!

Watch and Enjoy!
Stan The Annuity Man

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Key Moments in this Episode
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00:00 Intro & Summary
00:41 What Is A Fixed Indexed Annuity
01:56 What Are The Upsides & Downsides Of Fixed Indexed Annuities
04:33 What Is The Differences Of Fixed Index Annuities And Fixed Annuities
05:24 Is Fixed Index Annuity An Insurance Or A Contract
08:24 Book A Call!

What To Watch Next:
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How To Get Out Of A Fixed Annuity

Other Resources
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Video by Nate Woodbury

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[YouTubeComments]

Someone needs to explain why this guy doesn't have 1Mm subscribers? Totally under rated.

[epost]

Turned 59 this to get serious about your candor and no- nonsense might be hearing from me in the near my due diligence ....Thx

[edg]

If I can ask a very dumb question, on a joint annuity, once you’re in the “income for life” phase, in other words past 10 years and now getting paid out of the Protected Value, if both annuitants die, does any benefit go to the beneficiaries? To put it another way, I start with 125K investment, and after 10 years let's say my Accumulated Value is 160K and my Protected Value is 200K, and then we start “income for life, ” and then 3 months later my wife and I both die in a car accident. Does the insurance company pay anything out to my kids?

[bva]

The 10% bonus pitch during a presentation that I attended had me thinking, this is too good to be true, and I expressed that to the advisor. I did not purchase at that time, but I am really thinking about it as I am not doing very well with growth in my TSP since retirement.😢 That 10% bonus can get me a little closer to the money I lost in my TSP. I still have some thinking to do.

[haze]

Two questions... 1) can you explain a little more about what you said about only needing to be licensed to sell LIFE insurance to sell FIA'S?

2) Inerested in receiving the book you mentioned you'd send out, is there a link somewhere I missed to sign up to receive that?

[markseifried]

I love the music and "Stanisfesto"!

[hotdog]

Stan what are Piecemeal internal Roth Conversion Annuities? Seen on Dave McKnights video

[charlesallen]

I am in an FIA, my anniversary date was 11/2/2024, my cap rate is 8%, however checking my account this week, id like to know how my balance is thousands of dollars less than a year ago? May someone who is educated in this please explain? The S&P went up 1411.02 points in that year. Thank you. And what is a rider charge?

[jorgevelasquez]

Who rates annuities? Where can we look at ratings?

[Strongsnider]

What kind of averages can you expect from an Indexed non cap annuity…

Looking for something above 10% if possible.

[pennyhamm]

Stan, I need immediate help. My financial counselor at the bank has been talking to us about rolling our 401k money to a fixed annuity through them at 5.65%. But I don’t think is FDIC secured. This is a locked in for 7 years. I hope you can help me.

[cashrules]

Why I love Navy Mutal, nobody can be their rates and terms if you're a Veteran. From 1yr to 20yr, I prefer their tax deferred annuities

[zenaidababcock]

Is death benefit on the fixed annuity same as the income rider?

[gk_filer]

Hi Stan...I just had a pitch from an Agent. FIA from AIG 7.5% (Power Select Plus) Payout for 12 years Then account value goes to 0 at 12 years but the payout stays fixed for life at the 12 year point. Starting Payout amount in 200k 14000/year. I'm 70 wife is 65. Seems to good to be true. Point to Point 1year option of course with adjustable Cap of 5.25 and adjustable participation rates. How much can Caps and participation rates vary? Thanks

[wendyphillips]

Just ask any insurance guy to see the contract? They only want your money. Days or weeks later you will see the contract you signed unseen. Now, you have 3 days or less to return the contract and get your money back when you don't want it. Don't be surprised if it takes months to get your cleared check cash back to you.

If you don't return this contract notifying the insurance company you want out. You are stuck in that contract.

This is why the insurance sales guys will not let you see the contract that you signing without reading the contract.

[curiouscurious]

its always important to realize the difference between buyin a INSURANCE PRODUCTS AND INVESTMENT PRODUCTS. investment products are more upfront about displaying any commisions fees or meaning of terms. in the insurance industry you hear a term like "cash value" but the way its expained for instance in a whole life policy is extremely misleading. ANNUTIIES ARE PROBABLY MORE FOR PEOPLE WHO ARE WILLING TO SACRIFICE POSITIVE RETURNS FOR GUARANTEES. in my humble opinion

[zeandrelee]

How about for an index universal life insurance ? Principal protection, income for life, long term care. Correct ? I have this. while suffering from stroke

[bradjohnson]

Stan, have you seen some of the newish style FIAs with ladder strategies? Im looking specifically at the north american secure horizon fia and they way they "invest" into their 5year point to point terms... any thoughts?

Agent is trying to transfer my ira to an annuity with a 30k bonus to be transfered to checking account. He ssid I needed this product because of my future rmd's. I too say who's giving out 30k less taxes just because I signed on. My ira is at risk being close to true retirement.

[firemedic]

Went to a free dinner at Maggianos last night and this was the first time I ever heard of a fixed index annuity. One of the options was giving you 35% up front plus you get 50% of whatever the gain is. So if your FIA has a return of 6% one year, they’ll tack on an additional 3% which brings you up to 9%. Yes… it sounds too good to be true. I guess my logic is telling me that that company is making their money if the market yields more than what they’re obligated to give you?? This is all very new to me. I appreciate your video and insight. Thank you in advance!