Is 14 Minutes Worth $100,000?
Several years ago I fell into one of the most well-known sales pitches for insurance. 15 minutes can save you 15% or more by switching to Geico. I was shopping for new car insurance and decided to give it a try. They were right because it only took a few minutes for them to literally cut my monthly premium in half. I was able to proudly boast that I had just saved a bunch of money by switching my car insurance to Geico. Just this week I realized that Annuity Straight Talk kind of does the same thing. Is 14 minutes of your time worth $100,000 additional retirement income? Let me explain.
We have worked on a lot of technological advances for my website. I want it to inarguably be the best annuity website available and it’s going to show soon. The whole idea is to make it as easy as possible for you to find the deal you need and verify that it’s the best. The investment of time and money shows a commitment to helping people that most don’t realize. Hundreds of people use the calculators every month and in the past year I’ve only sold one annuity from it. Advisors and consumers alike have found value in what is provided here. I do eventually need to sell annuities to make it worthwhile but that’s my problem, not yours.
There are lots of ways to quantify the best deal. I have an app that shows how an annuity benefits a total portfolio and the quote engines to find the best income deal. Whether it’s as simple as a higher payment and better company, or a larger portfolio over time, there is nowhere else you can get this level of detail. I tend to take it for granted at times because I’ve been doing it so long but I hope you realize the benefit it provides.
Last week I met with a gentleman who asked me to verify whether he had the best products. He had a good long-term relationship with his current advisor and I don’t ever want to get in the way of that. He was looking for guaranteed lifetime income. He told me briefly about his situation and it was easy to see that an annuity would be appropriate for his retirement. The quote he received was for $35,000 per year joint life income. I knew the recommended company hadn’t been at the top of income quotes for a while so we went straight to my calculator to verify the numbers. In just a few minutes we saw a quote with the same parameters that would pay joint life income of $40,500 annually. The first quote came from an A rated company and the higher quote came from an A+ company. More money from a stronger insurance company. He won on both sides of it.
I looked at the clock and it had been 14 minutes since the call started. Years of my time spent producing something that makes it so easy for people. That’s when it hit home for me because it makes my work easier as well. Had he not made the appointment he would have been just fine but would have left a lot of money on the table. $5000 per year is a nice piece of change and we can all think of things to do with that. You can’t tell me that’s not a good deal and he didn’t even need me as long as he knows where to find the calculators. It does take an agent to explain all the features and provide service throughout the term of the deal but you can get 90% of the way there with no sales pressure. I’m pretty confident that the vast majority of people buying annuities do not get the best deal. This is available so you should use it.
Assuming he collects payment for 20 years, that adds up to well over $100K. I think that might be my new mantra. 14 minutes can make you $100,000 or more in retirement. It has a nice ring to it. I can also tell you that if you have your numbers ready when we talk we can probably do it even faster than that. A lot of people spend a lot of time wondering whether what I show them is the best deal. I’m not saying that you shouldn’t take your time with this but understand that you’ll get the best of the best right here in Western Montana. If you want to see for yourself then check out the income quote calculators on the top bar of the webpage. If you want to see more details or even test how it works in your portfolio then get on my calendar at the link below.
Have a great weekend!
Bryan
Last Updated on July 9, 2026 by Bryan Anderson
Can an 82 year old widower with $400,000 liquid and a small SS income benefit from some kind of annuity?
It depends on whether you need additional income. In most cases the interest on CDs or MYGAs provide supplemental income. I don’t normally recommend income products at that age.