The shocking truth about annuities.
37637 5 Mile Rd. Ste. # 278 - Livonia - Michigan - 48154   Phone: 248.933.2033                Contact          Order
Annuity, annuities, investment strategies

Tony Bahu
CEO of


"At last! Instantly download the tell-all report now available to the
public for the first time ever that's infuriating corporate giants...

"Industry Infuriating Report Reveals The Astonishing Truths About Your Annuities, The Agents and Insurance Companies That Sell Them, And The Secrets That You’ve Never Been Told…If You're Suspicious About Your Annuities or Your Agent, This Report Will Tell You Why---And What You Need To Know To Avoid Being The Next Victim"

"(This Pro-Consumer Report Has the Industry Standing On End Trying To Figure Out How To Keep It Out of Your Hands---Grab Your Copy Now Before It's Too Late!)"

"Your report was most useful in keeping a friend from buying something totally unsuited to her situation and knowing just how greedy the young seller was."

-- William David Turnbull, Colorado Springs, CO

Not Reading This Could Cost You Thousands Of Dollars!

If You Own or Are Thinking About Buying an Annuity, Please Read The Following Very Carefully...
Dear Friend,

It's outrageous... unacceptable... and it makes me sick to my stomach!  I can no longer sit  by and watch it happen.   People  need to  know the  truth---the  whole  truth!

If you're thinking about buying an annuity or if you own an annuity, then this is the most important letter you'll ever read.

Here's why:

In an industry that's suppose to help you protect your financial future, it's shocking to see how much misguidance, poor judgment, and flat-out lying that's going on.

All I can say is... wow!
After reading your document I can honestly say that you are going to make a lot of people in our industry angry!

Job well done my friend.  This information has been quiet for too long and I for one am glad that you're letting the public in on the secret ways that clients get hurt in this industry.

I'm recommending "The Shocking Truths" to all of my clients as a must read and I'm confident that it will save them thousands of dollars and years of grief.

Thanks for the great work.

-- William Harwell, Annuity Agent

Who's benefiting from this outrageous behavior? 

Sales agents and insurance companies.

And you and I are getting hurt.  Big time.

Make no mistake.  If you think that you know your annuity because the agent explained it to you, then most likely... YOU DON'T.  The sad truth is that you'll probably never be made aware until it's too late.  Way too late.

Let me explain...

My name is Tony Bahu and I'm 30-years old.  I'm a loving husband to my beautiful wife and devoted father to my 10-month baby girl.  You've probably never heard of me before this...and that's okay. By the time you're done reading this letter, you'll be very glad that you now HAVE heard of me.

I've been in the annuity business for a long time and have helped hundreds of men, women and families choose the right type of annuity for their situation.

I really enjoy what I do for a living.  I'm a people person who enjoys meeting new folks and assisting them in choosing an annuity that is the right fit for them and their family. 

However, I have a serious problem with many people that are in the industry doing financial services.

They're not helping people... they're hurting people.

The biggest challenge in the industry is that the pay is quite high for someone who can sell annuities and the bigger the dollar, the bigger the temptation to sell an annuity that is the WRONG fit for you!

As a result, YOU end up paying for it.  The reward per sale is so high (and I reveal just how agents get paid in my report) SOME agents will do anything to make the sale.  Including omitting information (they claim what you don't know won't hurt you) to flat out lying.

And of course, there are agents out there that just don't understand the annuities they sell.  Then they sell you something they don't even fully comprehend. 

It's a real shame.

This can cost you tens of thousands of dollars, can hurt you and hurt the loved ones that you hoped to one day benefit from your annuity.

"Every Consumer and Agent
Needs to Read This Information Now...!"

"I have never seen such a concise and fact-filled treatment on the subject of annuities and how to determine which, if any, is the right one to own.

Some agents will recommend a specific annuity strategy to their clients because it suits the client’s needs.  What I mostly see, however, are innocent people who were either sold the wrong kind of annuity or who shouldn’t have been sold an annuity at all.

How can the client be expected to make an informed decision if the agent doesn’t understand what he’s selling or isn’t truthful?  Tony, I hope your “Shocking Truths” either educates every consumer or reveals every agent in America."

---Alan Strebeck, Financial Advisor (Las Vegas, NV)

The Dirty Little Secrets
That Agents And Insurance Companies Don't Want You to Know

Until now, the truth about how agents and insurance companies rake in big profits while hurting the consumer has never been revealed.

These secrets are only known to the people in the industry.

Don't get me wrong... there are plenty of hard working and honest people out there that care about the client and
annuities can be one of the best investment vehicles to achieve your financial goals-- when used properly.

However, I see time and time again customers that were told one thing and the truth of the matter be entirely different. Quite frankly... I'm sick of it. 

People NEED to understand and be educated so that they can protect themselves from falling prey to these circumstances.

So, what have I done and
 what does it mean to you?

I've let the cat out of the bag.

I've created a breakthrough report and made it available to the public for the first time as a downloadable product.  Meaning that you can have it in your hands in the next 3 1/2 minutes after deciding to own it.  No shipping and no waiting.

It breaks down in simple to understand language exactly how unassuming  and innocent people are being lied to, manipulated, and hurt by agents and insurance companies.

Let me repeat... if you currently own an annuity or if you're thinking of owning an annuity, you MUST read this!

In this product you'll discover:

checkmarkThe truth about how agents get paid and why insurance companies don't want you to know.

checkmarkThe one annuity you MUST own.

Getting Out of the Annuity You Are In Without Tax Consequences.

checkmarkWhat Your Agent Never Told You About the Return Policy

checkmark'Medicaid friendly' annuities. You were told that your annuity is medicaid friendly... don't fall for the hype... I'll explain what's really going on.

checkmarkThe one annuity you should almost NEVER own-- unless you are a dying gambler!

checkmarkEverything that you need to know about annuities.  Knowing and understanding this will save you thousands and thousands of dollars before you ever sit down and talk with an annuities agent.

checkmarkWhy a 'minimum guarantee' can do more harm than good.

checkmarkHow your annuity is being double taxed and what you can do about it.

checkmarkHow to use minimum guarantees to your advantage and why not understanding this can hurt you.

checkmarkExactly what you need to know about the 'index annuity' and what your agent isn't telling you.

checkmarkWhen an annuity becomes your worst nightmare-- don't let this happen to you.

checkmarkThe difference between a fixed and variable annuity and the pros and cons of each.

checkmark'Minimum Guarantees'... these can work for or against you.  You'll learn exactly what to look for.

checkmarkHere are the 'right' questions to ask your agent so that you get exactly what you need.

checkmarkThe way to get an insurance company to send you a check every month-- it's not what you think!

checkmarkWhy you may be losing up to 40% of your return purchasing a mutual fund through an annuity and why mutual funds outside of a variable annuity will just about always outperform the same mutual fund in a variable annuity.  Failing to understand this is like throwing your hard earned money out the window.

checkmarkHave you heard of a 'living benefit'?  This is when an insurance company promises you that they will give you a certain percentage if the market declines.  I'll reveal the one thing that they FAIL TO TELL YOU and why it could take you 20 years to get your money from the day you're ready to pull your investment out.

checkmarkHow to realize gains without paying taxes.

checkmarkThe benefit that pays your beneficiaries 20%-40% on top of the gains you make at the time of your death.  Now this one can be a good thing or a bad thing.  I warn you to watch out for the cost of this feature and why you may be paying for something that you'll never use.

checkmarkOne way to leave your beneficiaries more money than what your account has in it.  This alone can change the lives of your loved ones after your passing-- this one tip alone will amaze you.

checkmarkThe one ONLY way to mitigate surrender charges-- you'd better understand this one!

checkmarkMany agents sell annuities by saying that you won't have surrender charges, but I tell you the truth and what to ask to avoid being burned.

checkmarkHow to avoid the tax time bomb.  A perfectly legal way to save tens of thousands of dollars by not paying income tax on your annuity gains.

checkmarkThe two things that your annuity better have-- this little gem can be a gold mine for seniors.

And That's Just The Beginning.  There's much more:

Click Here To Order Now!

How To Gain An UNFAIR Advantage
 By Learning The Following:

checkmark This is the key ingredient to tell a good agent from a bad agent.  It's your hard earned money-- don't give it away because you didn't know this critical information.  As far as I know, I'm the only one revealing this information and agents are not happy about it.

checkmark The 'death benefit' trap.  You'd better watch out for this one!

checkmark What to look out for so that you don't lose money in a declining stock market.  This tip can be your best friend.

checkmark How your annuities reduce or even eliminate the income tax on your Social Security.

checkmark Learn if the gains are taxable in your annuity when passed to your beneficiary. 

checkmark The best way to structure your annuity so you can dictate your tax situation.

checkmark A list of all the right questions you better ask before you buy an  annuity.

checkmark Discover techniques to eliminate estate taxes and why almost nobody is doing it correctly.

checkmark I show you how to have more spendable income.

checkmark The Bogus Bonus.  I explain in detail how your agent and the insurance company may try to manipulate you with this one.  You'll learn when this is appropriate and when you're getting scammed.

checkmark How to protect your estate from long term health care costs.  Doing this wrong will cost thousands.

checkmark Ways to pass more money to your children-- you don't want to miss this one.

checkmark How to take advantage of the upside of the market-- WITHOUT THE  DOWNSIDE RISK OF THE MARKET!

checkmark Learn if you're in danger of the IRS' tax time-bomb of 50% or more!

checkmark Beware of the 10% annual withdrawal.  I show you how you can be penalized and why the annuities with the least amount of liquidity don't necessarily have the best performance and one solution to solve this dilemma.

checkmark How to increase your current annuity value by as much as 300%

Who's Getting The Best Deal--
You Or Your Annuity Company?

The information that I reveal has agents in my industry standing on end.  They can't understand why I would do such a thing!  The truth of the matter is simple-- innocent people are being hurt.  I can't stand back with a clear conscience and watch it happen.

Ideally, your annuity should be a good deal for your bank, the insurance company AND YOU!

Unfortunately, this is not always the case.  This is an area where what you don't know really can hurt you!

If you already own an annuity, then the following questions have to be answered:

What interest rates are you currently getting?
2.  Are the interest rates getting worse?
3.  What is the rating of your insurance company? (Critical)
4.  What are your surrender charges?
5.  Is your principal ever at risk?
6.  What retirement & income options does your annuity have?
7.  Is your annuity Medicaid Friendly?
8.  Did you properly designate your beneficiary annuitant and 
     ownership of your annuity?

9.  How safe is your annuity?

These are just a fraction of the mistakes and problems I encounter every day.  I'm sure that at least one will apply to you.  And you could probably benefit from all of them.

Not only will you learn the right questions to ask, how to decide what type of annuity is best for your needs, and how to avoid falling prey to the vultures out there, but it's explained in down-to-earth, everyday language that is simple to understand.

Warning:  Do No Buy Any Product

that does not meet these criteria:

There is a lot of confusion surrounding these products - especially on the Internet.

Let me share the things that set us apart in my mind.

1.   Here's how you can contact me.

Too many internet companies lose credibility because they hide from their customers. I have a dedicated customer support staff ready to serve you. You can reach us anytime at:

Contact us by email here.

Contact me by phone at 248-933-2033.  This is my direct line.  I answer the phone myself when I'm around.

2.   This product is simple to understand.

Look, it does you no good if this product is not simple to understand.  I use everyday language so that ANYONE can read it and comprehend what's really going on out there in this industry.

It breaks it down.  It offers the pros and cons of the types of annuities available to you so that you can decide what is best for you and your family.

Some sale's agents will use complicated wording to try and confuse you so that they can put you in an annuity that is best for THEM (meaning, they'll make more money!) 

You'll know EXACTLY what to look out for after owning this and nobody will be able to pull the wool over your eyes.

  Whether you're just looking at annuities, own an annuity, or if you're just plain trying to figure out what to do with an annuity... this helps.

My product is for anybody that owns an annuity and/or is looking to invest in an annuity.  The information contained in this product will help you make good decisions from here forward.

I'm not saying that you haven't made good decisions in past.  I'm telling you that I know this industry and the people and companies involved.  I know what agents are out there saying to individuals just like you.  Bottom line... you just may not know your annuity as well as you think.  Your  agent might have told you some things... but don't you want to be sure that what they say is the truth?

It only makes sense, doesn't  it?  If you're not protecting yourself, then nobody else will.

 You get INSTANT ACCESS to this product.

My product is downloaded from the Internet.  After your payment is submitted, you'll be directed to a private download page where you'll download your copy of my system. No waiting.  You'll have this money saving information in your hands only minutes after deciding to own it.

Here is exactly what to expect when you order my product:

1) You click the "Order Now" button at the bottom of this letter.

2) You fill out the required information and hit "submit"

3) You are automatically brought to the download page.

4) Click "download" and open the file.

You are now on the path to understanding annuities as well as your sales agent and you'll be protected from unethical salespeople.  You'll have the knowledge that only people in the industry know.

Why not get started right now ?

5.  This product explains the truth of how agents and insurance companies work.

You may be able to find some outdated book at the bookstore that will bore you will complicated language and a bunch fluff about the different types of annuities, but this product is the only one that you'll find that breaks down and uncovers what's really going on. 

Sure, you could call up your agent (if you have one) and try to pry this information from them, however, people in this profession are so tight-lipped about what I share with you, that you'll never get it out of their mouth... never ever!

6.  This information is practical and not theoretical.

So many products out there explain annuities in theory, but never give you everyday practical advice.  This product will give you the nuts and bolts, the meat and potatoes of annuity investing. 

You'll learn the most practical solutions to your needs.  This is where you can be a big winner in the annuities market.

  I don't promise you'll make the absolutely best financial decision or other nonsense.

I don't promise or imply you'll make the absolute best decision even after reading this.  I don't know you, your background or anything else about you.  So how could I promise such a thing.  If I tried to guarantee that, I'd be lying. That's b.s.

However,  annuities can be one of the best vehicles to reach your financial goals when used properly.  And that is exactly what you'll learn to do.

This information is invaluable.   You'll know and understand the inside information that only people in the industry are privy to.

Here's The Cost And Why It's Worth Every Penny

If you are at this page, chances are you are trying to make a decision about an annuity right now.  PLEASE DON'T LET A SMALL INVESTMENT STAND IN YOUR WAY.  The Shocking Truths has helped many people avoid big mistakes and make the best decision regarding their annuities. 

People who already own this product have said they would pay $1,000 because of the amount of money, headache, and frustration that it has saved them!  No bull.

Understanding just one of these hush-hush secrets that I reveal... may save you tens and tens of thousands of dollars and save you years of grief and aggravation.  Seriously, do you know what it's like to own the wrong annuity?

When you own this product it will pay for itself one thousand times over in the money that you'll save alone!
  The money you will save and earn as a direct result of this explosive detailed information can pay you back 1,000 times your  paltry investment.  What if you don't buy The Shocking Truths and you end up making one of the mistakes that could cost you thousands of dollars in your future? 

My price isn't cheap but it's worth it considering the benefits.  It's currently $99 (Please see special marketing test below). 

Special Marketing Test

I'm offering a very limited HALF-PRICE DISCOUNT (only for a couple days as a test).  If you order my product before Midnight, , you can get your copy for only $49.  The price, however, is only good if you order by this date.  I'm doing this to see if the increase in sales outweighs my lower profit margin.  If it doesn't, and you buy the product after this date, expect to pay the normal price of $99.

PLEASE (I'm asking nicely!) do not email me and get upset if you try and order after this date and I am no longer accepting orders at this special

By the way, if you think this is expensive, ask yourself how much making the wrong decision will cost you.  Knowledge can be costly,  but the price of ignorance is immeasurable.

Learn to Recognize the Wrong Agent

These e-mail books were very informative. Shortly after buying them I received a few phone calls from agents trying to get my business, but after asking them a few of the suggested questions you pose in your book that one should ask, I understood that they were only interested in a sale and their commission."

They persisted in sending me their material but that too was just the standard sales pitch and didnt really explain anything. I still have a lot to learn and understand, but your publications cut through the hype and has given me a lot more of an understanding on how annuities are invested and how agents pitch them.  Thank You

---C. Keefe, Berkely CA

* * * * * * * * *

Information You Can Act On!

What I found most appealing is the personal follow-up Tony does with his subscribers.  He actually really does show and take a genuine interest in them.  His material gives you decision making info, which is rare in today's world of information.

---Robert Giacin

* * * * * * * * *

Expert Answers for Your Situation

To learn more about SPIA's [Single Premium Immediate Annuities], as well as what's an EIA [Equity Indexed Annuities]...the AnnuityMD gold package felt right.  As a subscriber, I have expert answers and on-going collaboration.  AnnuityMD is a godsend.

---Joe Kreill - Waukesha, WI

In addition, you will get the
 following amazing FREE bonuses :

If you order by midnight, you'll also receive 5 incredible bonuses.

bonus 1Annuity Company Rating:

 Find out what your annuity company is rated. Discover what the people who really matter think about your annuity company.  This not only includes the ratings but other pertinent financial information that may be critical in determining whether annuity company is safe to be with.  This information could be worth at least $100 to you all on it's own.  It's yours FREE when you place your order by the deadline.

bonus 2Life & Health Guaranty Insurance Association

Access to your states life and health guaranty insurance association so that you know guarantees before you buy an annuity.  Know what would happen if your insurance company were to go insolvent and know what your state is willing to do about it.  You may be surprised by the information you learn here.  You may be surprised by the information you learn here.  This information could be worth at least $50 to you on it's own.  You get it this information FREE with your order.

bonus 3Exclusive Report

My exclusive report, 'All The Things You Were Never Told About Your CD's-- The Whole Truth And Nothing But The Truth.'  Discover why CD's are not always what they're cracked up  to be.  These secrets may cause you to never want to buy a CD again.  This is a must read!  Valued at $25.

Bonus 4Free Upgrades:

For a limited time only, I'm offering FREE upgrades when you place your order by the deadline.   I'm always hard at work upgrading my product with the latest information and newest technology. Customers have paid as much as $50 per upgrade.  You will receive upgraded versions of the product when they are completed for free.

Bonus Five
OPTIONAL Bonus:  Phone Support

After ordering the product and reading it,  if you feel like there are still some questions you need answered, you are eligible for personal support to help you answer questions you may still have.  ($195 value)

Order by midnight.  Get the entire "Annuities: The  Shocking Truths Revealed" product and you'll receive all 5 bonuses worth over $415 absolutely FREE! 


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Either Way-it is an Instant Download!

It doesn't matter if it's 2:00 A.M.

Tony Bahu

Tony Bahu, CEO

P.S.  "Annuities: The Shocking Truths Revealed" is a product that is downloaded from our private download page. You can own it and have it in your hands in the next 3 minutes (nothing is physically shipped to your home).

P.P.S.  I can only guarantee the $415 in FREE bonuses if your order is placed by midnight so order now through our secured server!

P.P.P.S  As a final reminder if you order right now you can immediately take advantage of our marketing test, making your order today for only $49

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