In this episode, The Annuity Man discusses:  How annuity companies are more regulated than banks Where annuity companies are required to put your money The US 10 Year Treasury Note and the role is plays with annuities  The reason for surrender charges on deferred annuities    Key Takeaways:  Fixed annuity companies have 100% of your money available day one Life expectancy drives the pricing train with lifetime income guarantees All lifetime income payments are a combination of return of principal plus interest  Annuity companies are shouldering the risk you are transferring to them    "Life insurance companies have big buildings for a reason because they know when we are going to die, so they price their products accordingly. " —  The Annuity Man    Connect with The Annuity Man:  Website: TheAnnuityMan.com  Email: [email protected]  YouTube: Stan The Annuity Man  

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