Tony Bahu CEO of AnnuityMD.com
"At last! Instantly download the tell-all report now available to the"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"
public for the first time ever that's infuriating corporate giants..."
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
report was most useful in keeping a friend from buying something
totally unsuited to her situation and knowing just how greedy the young
-- 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...
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.
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.
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
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.
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
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
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:
The truth about how agents get paid and why insurance companies don't want you to know.
The one annuity you MUST own.
Getting Out of the Annuity You Are In Without Tax Consequences.
What Your Agent Never Told You About the Return Policy
'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.
The one annuity you should almost NEVER own-- unless you are a dying gambler!
Everything 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.
Why a 'minimum guarantee' can do more harm than good.
How your annuity is being double taxed and what you can do about it.
How to use minimum guarantees to your advantage and why not understanding this can hurt you.
Exactly what you need to know about the 'index annuity' and what your agent isn't telling you.
When an annuity becomes your worst nightmare-- don't let this happen to you.
The difference between a fixed and variable annuity and the pros and cons of each.
'Minimum Guarantees'... these can work for or against you. You'll learn exactly what to look for.
Here are the 'right' questions to ask your agent so that you get exactly what you need.
The way to get an insurance company to send you a check every month-- it's not what you think!
Why 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.
Have 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.
How to realize gains without paying taxes.
The 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.
One 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.
The one ONLY way to mitigate surrender charges-- you'd better understand this one!
Many 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.
How 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.
The 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:
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.
The 'death benefit' trap. You'd better watch out for this one!
What to look out for so that you don't lose money in a declining stock market. This tip can be your best friend.
How your annuities reduce or even eliminate the income tax on your Social Security.
Learn if the gains are taxable in your annuity when passed to your beneficiary.
The best way to structure your annuity so you can dictate your tax situation.
A list of all the right questions you better ask before you buy an annuity.
Discover techniques to eliminate estate taxes and why almost nobody is doing it correctly.
I show you how to have more spendable income.
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.
How to protect your estate from long term health care costs. Doing this wrong will cost thousands.
Ways to pass more money to your children-- you don't want to miss this one.
How to take advantage of the upside of the market-- WITHOUT THE DOWNSIDE RISK OF THE MARKET!
Learn if you're in danger of the IRS' tax time-bomb of 50% or more!
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.
How to increase your current annuity value by as much as 300%
Who's Getting The Best Deal--
You Or Your Annuity Company?
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:
1. 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
9. How safe is your annuity?
ownership of 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.
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.
2. This product is simple to understand.
Contact me by phone at 248-933-2033. This is my direct line. I answer the phone myself when I'm around.
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.
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.
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
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.
4. You get INSTANT ACCESS to this product.
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
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.
6. This information is practical and not theoretical.
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!
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.
7. 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.
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.
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
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
special marketing test
I'm offering a very
(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
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 HALF-PRICE
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.
* * * * * * * * *
Expert Answers for Your Situation
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.
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