EPISODE · Jan 28, 2026 · 24 MIN
The Overlooked Strategy That Builds Trust (Reverse Mortgages)🏠🤯
from AnnuityProducers.com · host Roy Snarr
Most agents completely overlook reverse mortgages—and that’s a mistake.In this episode, Roy Snarr sits down with reverse mortgage expert Michael Standard to break down: • Why reverse mortgages can be a massive trust builder • How seniors use home equity for tax-free income • The real rules (and myths) around today’s reverse mortgages • Why this strategy pairs so well with annuities, Roth conversions, and LTC planningIf you’re serious about becoming a well-rounded advisor in the annuity space, this is a conversation you need to hear.Links to Michael’s training and resources are below 👇https://heroloansllc.comLong Term Financial PlanningHero Loans LLC Michael Standard Sr. Mortgage [email protected] Tag an agent who should be thinking bigger about retirement planning.00:00 Why agents overlook reverse mortgages01:00 The trust play most advisors miss02:05 Michael Standard’s background & credibility03:20 The real retirement income gap04:00 Senior home equity stats you need to know05:58 Why reverse mortgages changed after 201707:06 How reverse mortgages actually work today09:00 What happens to the house & heirs11:15 Underwriting made simple (“cat food rule”)12:49 Using equity for LTC, Roth conversions & leverage16:00 How wealthy families use this strategy18:22 Costs, FHA rules & who qualifies21:20 How agents should apply this in fact-finding23:00 Final takeaways for annuity agentsDisclosure & Disclaimer: This content is for educational and informational purposes only and is not intended as financial, legal, tax, or investment advice. I am not acting as a fiduciary, CPA, tax advisor, or attorney. Always consult with your own licensed financial advisor, tax professional, or attorney before making any financial decisions. I am not affiliated with, endorsed by, or acting on behalf of the Social Security Administration, Medicare, the U.S. government, or any other government agency. Any references to government programs are for educational purposes only. Opinions expressed are my own and are based on general principles, which may not apply to your individual situation. All financial products involve risk, including the potential loss of principal. Past performance is not a guarantee of future results. Insurance and financial product availability, features, and guarantees vary by carrier and state. Guarantees, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Viewers are encouraged to conduct their own independent due diligence before purchasing any financial or insurance product. Nothing contained in this content constitutes an offer, solicitation, or recommendation to buy or sell any specific product or security. By viewing this content, you acknowledge that you are solely responsible for your financial decisions.
What this episode covers
Most agents completely overlook reverse mortgages—and that’s a mistake.In this episode, Roy Snarr sits down with reverse mortgage expert Michael Standard to break down: • Why reverse mortgages can be a massive trust builder • How seniors use home equity for tax-free income • The real rules (and myths) around today’s reverse mortgages • Why this strategy pairs so well with annuities, Roth conversions, and LTC planningIf you’re serious about becoming a well-rounded advisor in the annuity space, this is a conversation you need to hear.Links to Michael’s training and resources are below 👇https://heroloansllc.comLong Term Financial PlanningHero Loans LLC Michael Standard Sr. Mortgage [email protected] Tag an agent who should be thinking bigger about retirement planning.00:00 Why agents overlook reverse mortgages01:00 The trust play most advisors miss02:05 Michael Standard’s background & credibility03:20 The real retirement income gap04:00 Senior home equity stats you need to know05:58 Why reverse mortgages changed after 201707:06 How reverse mortgages actually work today09:00 What happens to the house & heirs11:15 Underwriting made simple (“cat food rule”)12:49 Using equity for LTC, Roth conversions & leverage16:00 How wealthy families use this strategy18:22 Costs, FHA rules & who qualifies21:20 How agents should apply this in fact-finding23:00 Final takeaways for annuity agentsDisclosure & Disclaimer: This content is for educational and informational purposes only and is not intended as financial, legal, tax, or investment advice. I am not acting as a fiduciary, CPA, tax advisor, or attorney. Always consult with your own licensed financial advisor, tax professional, or attorney before making any financial decisions. I am not affiliated with, endorsed by, or acting on behalf of the Social Security Administration, Medicare, the U.S. government, or any other government agency. Any references to government programs are for educational purposes only. Opinions expressed are my own and are based on general principles, which may not apply to your individual situation. All financial products involve risk, including the potential loss of principal. Past performance is not a guarantee of future results. Insurance and financial product availability, features, and guarantees vary by carrier and state. Guarantees, if any, are backed solely by the financial strength and claims-paying ability of the issuing insurance company. Viewers are encouraged to conduct their own independent due diligence before purchasing any financial or insurance product. Nothing contained in this content constitutes an offer, solicitation, or recommendation to buy or sell any specific product or security. By viewing this content, you acknowledge that you are solely responsible for your financial decisions.
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The Overlooked Strategy That Builds Trust (Reverse Mortgages)🏠🤯
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