Friday, March 06, 2009


Annuity Leads

Attention Annuity Agents: I would like to announce the launch of This website is specifically designed for the frustrated annuity agent who needs more annuity leads.

If you are an annuity agent who is working harder than ever before and making less money, you need to take a look at our program. It offers a simple and easy way to create more leads than you can handle. Furthermore, the system is given to you step by step so there is absolutely NO guess work.

So the bottom line is, if you are an annuity agent who wants to sell more annuities and are not afraid to invest in yourself, please visit and come take a look at our incredible offer. The price we currently have will only be available for a short time so take advantage of it while you can.

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Tuesday, September 16, 2008


Annuities: I Own An AIG Annuity

The sub-prime problems and credit problems aren't stopping and in fact they are hitting the insurance companies. AIG, the most recent victim, is scrambling to keep it's clients put in their annuities but it's a hard sell. I myself have received an exorbinant amount of calls from people who own AIG annuities asking if they are safe.

The answer is, AIG may not be safe as a company from a cash perspective. However, you don't need to panic just yet. There are state guaranty associations and safety nets set up for these type of situations. They are limited into how much they protect, however it is good to know that there is something available to consumers.

What to Do If You Own an AIG Annuity

Right now, there isn't much you can do. We have personally been trying to call them and they are virtually impossible to get a hold of right now. The best advice I can give you is not to panic. There are safety nets set up for these type of situations. AIG's Peter Tulupman, a company spokesman, claimed earlier in an emailed statement "Insurance policies written by AIG companies are direct obligations of our regulated insurance companies around the world. These companies are well capitalized and meet or exceed local regulatory capital requirements." To the extent that is true, only time will tell.

Again, state guaranty funds are there to help. You can continue to contact AIG for an answer but it may be a little bit before you can get a hold of them. In the meantime, if you would like some peace of mind, my best advice is to contact your state guaranty association.

Here is a way to do that. This link, is the link for the State of Michigan guaranty association. Even though this is the Michigan site, if you click the down arrow, you will probably find your state guaranty association. Most of them are listed here, although, unfortunately, not all of them.

At these sites, there is so much useful information and people you may contact. Furthermore, there is information on ratings agencies. My personal favorite part about this site is the FAQ section on the left hand side. It is full of useful information.

If you do not find your state, don’t worry. Try calling any state’s guaranty association and they can likely give you the number to another state’s association.

For more information on your annuities, please feel free to visit us at

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Sunday, September 14, 2008


Medicaid Annuities May Not be So Friendly

Medicaid annuities aren't without their risks. If you are reading this, there is a good chance that you are trying to qualify for Medicaid by using an annuity. I am here to tell you that there are major risks involved in trying to do this.

The first risk is to be aware that UNLESS you are being advised by a true expert in this area, you may very well be on your way to big headaches and problems. The reason is simple. The Medicaid laws are constantly changing. This means that your 'planners' methods had better be up to date or you will have issues.

Next, it is important to consider that you may be dwelling in an area that is under high amounts of scrutiny. This means that the strategy better be well thought out and perfectly executed. If you are not using a professional that is well versed, again, you will be looking at a future of frustration and expenses. If this is not done right the first time, chances are, it cannot be redone and undoing it will cost a lot of time and money.

There are several other risk factors to using annuities to qualify for Medicaid purposes. What we have done is put together a contact form. If you need help in this area, or even just a second opinion, please visit: Medicaid Annuity Help

You will have the opportunity to consult with one of a few people we consider to be the best in the country when it comes to Medicaid Friendly Annuities.

Hope this Helps.


Tony Bahu

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Thursday, August 21, 2008


Free Annuity Report recently announced it's release of the free annuity report titled 'Annuities: The Warning Report.'

This detailed report outlines several warnings that consumers need to be aware of when buying annuities. It is a no fluff report that really does a great job in opening consumers eyes so that they can be aware of the dangerous aspects of annuities and the mistakes people are not aware of when buying annuities.

Best of all, this is a free no obligation report. The free annuity report does offer an opportunity for readers to upgrade to a paid report, however, there is no obligation. And the free report is VERY detailed and very straight forward.

This report is recommended for anyone who is thinking about buying annuities or who already owns annuities. It will truly be a great asset to help those people either avoid mistakes or to confirm suspicions that they may have already had.

This report can be obtained by clicking on free annuity report or by going to

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Friday, August 15, 2008


Annuities: The Warning Report today announced the release of its new report 'Annuities: The Warning Report.' Unlike their paid report, this is a free report that can be obtained by going clicking Free Annuity Report.

This report details warning signs investors need tob e aware of when purchasing annuities. It offers insights to investors who may be suspicious and need to watch out for things that they may not particularly be aware of.

Again, this is a free report and is being offered to the public so they can avoid the mistakes investors make when purchasing annuities.

Furthermore, our future blogs will mostly be posted at

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Thursday, July 24, 2008 Announces the New Annuity Video Blog

Announcing the New video blog. has just added a new video blog to their site. It is located at

Over time, content via video will be added. This will be annuities content that will assist consumers in learning about annuities and assisting them when it comes to getting help with their annuity.

There will be video added over time and each week their will be new annuity video added.

Please feel free to stop by and check it out. Furthermore, if there are any topics you want covered regarding your annuities, please feel free to ask and we will add it.

Thank you and I hope this helps.


Tony Bahu

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Friday, April 11, 2008


Equity Indexed Annuities – High Hopes but low returns

Equity Indexed Annuities Promise Stock market returns without stock market risk (or not)

Equity Indexed Annuity salespeople most often tell you how great these products are. And just as fast the salesperson pulls out their annuity application, starts writing and before you know it, a pen has been thrust into your hand to seal the deal. Not so fast. There’s a lot about these products that isn’t being told to you. And what’s being kept from you is for a reason. First, annuities are sold by, well… salespeople.

I know what you’re probably thinking, my advisor is a professional, a licensed, experienced, yadda, yadda. Well, that may be true, but the product is the product, no matter who is pitching you. Understand that the reward (commission) is very high for these complex annuities. The slick brochure, or slick salesperson, advisor, insert your term of preference, is not giving you the whole story. How do I know this? 90% of the transactions I have reviewed for clients have in no way matched what the clients thought they had bought. Then there are dozens of negative annuity articles written by excellent sources such as The Wall Street Journal, Forbes Magazine, Kiplinger, Smart Money, etc. And guess what these articles have in common? They slam annuity sales tactics and warn investors. Lastly, there are several multi-million dollar class action lawsuits against annuity sellers for, well… fraud.

After extensive studies, both those conducted by outside independent agencies, as well as my personal and very intimate reviews of dozens of annuities (including the biggest and most respected insurance companies) arrives at one truth. That truth is that many Equity indexed Annuities will give you horribly low returns, between 40% - 60% of the market’s return, before being hit with ordinary income tax under the terrible LIFO and IRD rules. Yep, no lower capital gains or tax on gains forgiveness for your family like you would get on other alternatives.

There’s good news though. If you are already in one of these annuities, with the right help, you may be able to get your money and losses back. And in case you were wondering if the salesperson will help you here, you might also want to ask the wolf to baby sit the hens while you go out to dinner.

Written by Steven Roth of Wealth Management International

Tony Bahu

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Tuesday, March 04, 2008


Free Annuity Report Reveals Exactly What You Need to Know

'Annuities the Shocking Truths Revealed' being offered at NO CHARGE for a limited time only

Years ago, was introduced to the public and it was a site designed to be an 'Objective Annuity Consumer Protection Firm.' In otherwords, AnnuityMD was designed to provide unbiased information to people who wanted to know about annuities. Not the textbook explanation. But what it is that agents aren't telling them---the inside secrets that are never revealed to them.

So that's where came in. It was just that. The plain and simple unbiased truth about annuities. And since it's inception, this website, through it's report has literally helped hundreds of people avoid the costly mistakes that people make when buying annuities. And guess what? It just got better.

Now this free annuity report can be yours for FREE. No, there is no catch. You can read the entire story on the website. However, this offer may only be good for a limited time. It has sold, since it's inception for $50 to $100 and has sold quite well. There is a chance now to obtain a copy for no charge.

Therefore, if you are suspicious about your annuity, your annuities, your agent, or anything regarding your investment, you NEED to pick up your copy now. It is worth it. Oh, and by the way, if you think AnnuityMD is giving this away to try to make you an annuity lead, you're wrong. AnnuityMD and its affiliates DO NOT SELL ANNUITIES. Therefore, you can be rest assured that you are not going to be an 'annuity lead.'

I certainly hope you take advantage of this offer. If the offer is no longer available by the time you read this, please do not e-mail us requesting your free copy.

Ignorance is NOT BLISS


Tony Bahu

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Thursday, February 22, 2007


Two-Tiered Annuities Again

Two tiered annuities again are in the news. There has been much talk about them and even some legislation and I would like to cover them in detail. Therefore, over the next several weeks we are going to cover them in great detail.

I would like to give you some insight as to when they might be appropriate, the issues I have with them, and how sometimes they can be detrimental to your financial health. Please feel free to send your questions to Furthermore, if you have your own insight, stories, or thoughts about two-tiered annuities, feel free to send a comment to this blog.

So please be prepared to get into the good, the bad, and the ugly when it comes to these types of annuities. I will start with elementary information also and if you don't know what a two-tiered annuity is, feel free to visit the blog I did before on these tpes of annuities.

Ignorance is NOT Bliss

Tony Bahu

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