Legal Disclaimers



Updated as of February 20, 2005

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Product Disclaimers

All documents included with your purchase are informative pieces on annuities, investments, and life insurance.  They are not a solicitation or recommendation or offer to buy annuities or any type of investment or life insurance.  The information provided is merely the opinion of the authors, narrators, and publishers of these documents, and is obtained from sources deemed reliable but not guaranteed as to accuracy or completeness. 

Annuity MD, Inc.’s publishers, owners and investors, recommend that anyone investing in annuities or any other type of investment or savings vehicle, including but not limited to life insurance,  should do so with caution, exercise prudent decision making and have an overall financial plan that is targeted for the investor’s SPECIFIC situation.  Individual situations can vary; therefore, the information should be relied upon only when coordinated with individual professional advice.  Furthermore, as tax laws are always subject to possible changes as well as varying interpretation, it is highly recommended that you seek counsel from a competent professional on matters pertaining to tax, financial, and legal issues.

It is the sole responsibility of the reader and/or listener to conduct his or her own due diligence before executing any kind of purchase of annuities or life insurance, or making any type of investment. Any type of investment should be considered speculative with a high degree of risk and it is important that the reader and/or listener seek the advice of a trusted licensed professional to assist them in the purchase of an annuity, life insurance, or any savings, investment, or asset protection vehicle.   

Annuity MD, Inc.’s publishers, owners or investors, are not liable for any losses or damages, monetary or otherwise, that result from the content of “Annuities:  The Shocking Truths Revealed”, or any other documents, written or audio, including “The Equity Index Annuity Exposed”, and all related audio CD’s.  Information contained in these documents may not be indicative of future performance and may become obsolete as common laws and tax laws change.  Please consult with professionals in the insurance, financial, and tax arena for your SPECIFIC situation.

Please refer to the "terms of use" and the "purchase agreement" at for more specific information.

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