# E93 - What Is an Annuity and Should You Have One in 2026?

Page: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e93-what-is-an-annuity-and-should-you-have-one-in-2026
Text version: https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217/e93-what-is-an-annuity-and-should-you-have-one-in-2026.md
Podcast: [Remnant Finance - Infinite Banking (IBC) and Capital Control](https://stenobird.com/podcast/remnant-finance-infinite-banking-ibc-and-capital-control-6950217)
Published: 2026-04-03T18:24:16+00:00
Episode link: https://podcasters.spotify.com/pod/show/remnant-finance/episodes/E93---What-Is-an-Annuity-and-Should-You-Have-One-in-2026-e3hd54a
Audio file: https://anchor.fm/s/f80e64e4/podcast/play/117920330/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2026-3-3%2F421360997-44100-2-a33f5ca52961c.m4a
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Duration seconds: 4315

## Resource

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/options Email us at info@remnantfinance.com or visit https://remnantfinance.com for more information FOLLOW REMNANT FINANCE Youtube: @RemnantFinance (https://www.youtube.com/@RemnantFinance) Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588) Twitter: @remnantfinance (https://x.com/remnantfinance) TikTok: @RemnantFinance Don't forget to hit LIKE and SUBSCRIBE _____________________________ Hans brings back Travis McBride, a former helicopter pilot turned annuity and long-term care specialist, to walk through the entire annuity landscape. They start with the basics: what an annuity actually is, why only life insurance companies can offer them properly, and how the math of mortality pooling works in your favor when structured right. Then they get into the different flavors, from MYGAs to SPIAs to fixed index annuities with income riders, and make the case that right now, with rates still elevated, the payout environment is as strong as it's been in decades. The episode closes with a conversation about annuity audits and why anyone with an existing policy bought in a low-rate environment could be leaving thousands of dollars of guaranteed income on the table every single year. Chapters: 00:00 - Opening segment02:15 - Introduction to Travis04:00 - Why annuities have a bad reputation and who benefits from that narrative 07:30 - What is an annuity? The fifth grade explanation 11:00 - Why only life insurance companies offer annuities 13:30 - The quarter million dollar example and how mortality pooling works 18:30 - The 4% safe withdrawal rule and why Hans doesn't trust it 22:00 - Sequence of return risk: why the order of return…

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