unacceptable... and I can no
longer sit by and watch it happen! Everyday, unsuspecting people are
being taken advantage of by insurance companies and annuity salespeople
and something has to be done about it...
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
In an industry
that's supposed 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 this is done in
order for greedy salespeople
and insurance companies to sell some of the highest commissioned
products in the industry---And they're counting on you NEVER finding
out what they really sold to you!!!
And by the way, if
you're convinced that 'your'
agent would never steer you wrong---then think again. Even if your
agent had the best of intentions, very few salespeople even fully
understand the annuities they're selling. Your agent may be a
good-hearted and well intentioned person, but if he isn't fully aware
of what he's selling you, or he's been misled by the insurance company
(like many are) YOU end up being the victim. On the other hand, your
agent may be more worried about his paycheck than about you, where
again, you end up on the losing end of the deal.
So who is
benefiting from this outright
Sales agents and
And it's costing
you financial security - the very thing annuity
sellers promise their products provide.
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!!!
name is Tony Bahu and I'm 40 years old. I'm a loving husband to
my beautiful wife and devoted father to my 3 young children.
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 am a former
annuity agent who previously helped many men, women and
families choose the right type of annuity for their situation.
I'm a people
person who used to enjoy meeting new folks and assisting
them in choosing an annuity that would be the right fit for them and
much as I loved doing it
while I did it, I realized that I had a serious problem with many
people in the financial service industry---especially the insurance
helping people...they were hurting
people and hurting them badly. I was shocked to
realize the truth
behind the insurance companies, the products they were selling, and the
people selling annuities.
Many Insurance companies were
feeding agents half truths. They were
making some annuities look so good in the brochure while underneath it
all, they were truly products that would end up being a bad deal for
the consumer---and great ONLY for the insurance companies and the
agents selling them.
products wouldn't always
live up to the expectations of the
consumer (there is a very specific reason insurance companies can get
away with this and we will tell you exactly why and how)---in fact, in
recent years, many of these insurance companies have been involved in
class action lawsuits for numerous reasons over their annuities (this
includes one of the largest and most well respected AA rated
in the industry). And what's even more surprising was that the
products that were the worst for the consumer would invariably be the
ones that paid the highest commissions and the ones agents would be
most excited about selling. Furthermore, often times, even the
good products were being misused and sold to the wrong people.
finally, many insurance
agents---some knowingly and
unknowingly, would provide their clients with 'biased' and wrong
information either because they didn't know better or because they did
know better but didn't care. At times, the agent would be
ignorant due to the insurance company painting such a rosy picture of
the product. On the contrary, at other times the agent would be VERY
aware that the product would not be suitable but didn't care because
the commissions would be so high.
WHAT EVENTUALLY MADE ME DECIDE I NO LONGER WANTED TO BE IN THE
challenge in the industry is that the pay is VERY high for
someone who can sell annuities and the bigger the commission, the
bigger the temptation to sell an annuity even if it's WRONG for
you! The insurance companies have deep pockets and can afford to
pay these agents handsomely in exchange for the opportunity to part you
from your hard earned money. It wouldn't be so bad if the
consumer was aware of EVERYTHING up front and could make an educated
decision. However, that's almost NEVER the case.
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) that MANY
agents will do anything to make the sale from omitting important
information (they claim what you don't know won't hurt you) to flat out
Again, there are
agents out there that simply don't understand the
annuities they sell. So they sell you something even they don't
fully comprehend---something they were
hyped up on by insurance
companies who pay them handsomely to push. Whether your agent
lied to you or just doesn't fully understand the annuity they sold you,
the outcome is the same...YOU LOSE.
It's a real shame.
A bad or
unsuitable annuity can cost you tens to hundreds of thousands
of dollars, and can hurt you and your loved ones that you hoped to one
benefit from your hard work and life's savings.
said, please read on to learn more about the 'Annuities:
The Shocking Truths Revealed.' By the end of
this page, you will have the opportunity to download a copy of the
report that has the industry up in
report will simply
expose the truth, the whole truth, and nothing but the truth.
More importantly, it will arm you with EVERYTHING you ever needed in
order to make good decisions. Bottom line, there is nothing
available on the internet today that
exposes more than this nearly 100 page report does. Plain and
simple, it is completely unrivaled. And once again, if
you already own an annuity and are dissatisfied for any reason, we have
a special program that may be able to help you recover your money and
of this page is dedicated to describing EXACTLY what this report has to
offer. If you choose to order it, I am confident you will not
regret it. We have saved hundreds of people from making the wrong
decision regarding their precious financial futures. Furthermore,
if you do order it, you can call me to discuss anything you have read
in the book. I answer my phone, return my messages (and e-mails),
and enjoy talking with people about this topic. Good luck
with your investing and saving endeavors and I hope you find
this as useful as many people across the country have.
After reading your document I can
honestly say that you are going to make a lot of people in our industry
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.
Harwell, Annuity Agent, Detroit MI
"Your 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
"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 truth about how agents and
insurance companies rake in big profits while hurting the consumer has
NEVER been revealed in a way we are exposing it.
Don't get me
wrong, even The Wall Street Journal, Money Magazine, Smart
Money, Forbes, and other reputable sources have written limited
information exposing the issues concerning annuities. Even
Dateline NBC had a limited documentary (Tricks of the Trade) exposing
some of the deception in the industry. HOWEVER,
until AnnuityMD, there has not been a COMPREHENSIVE resource to
really help consumers to
fully understand what they were sold
and to recover their money when they were sold an unsuitable or bad
difference is WHAT
we do for you; it's not just
words or an opinion that your
broker (who is trying to earn and protect his commission) will argue
against. AnnuityMD can put in your hands, the revealed secrets
about your annuity and what you weren't told-powerfully and clearly-so
you will know what to trust and make sure that you aren't ripped off.
And if you have been, put you in the best position to get your
These secrets are
only known to a few the people in the industry.
get me wrong... there are
plenty of hard working and honest agents out there that care about
their clients. Furthermore, annuities can be a sensible choice if the
right product is chosen and it is used properly.
However, I see
time and time again customers that were told one thing
and the truth of the matter is entirely different. Quite frankly...
it's very disturbing.
agents unfortunately are not
trained to properly analyze annuities or know whether a particular
annuity is good for you--rather they are well trained to sell you.
I repeat once again annuities may be a sensible choice to achieve
your financial goals when used properly---BUT THEY CAN BE A COSTLY
MISTAKE when bad products are sold to you or good ones are misused.
People NEED to
understand and be educated so that they can protect
themselves from falling prey to these circumstances.
I've let the cat out
of the bag.
I've created a breakthrough exposé 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.
The report 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. It does not contain anything
that insurance companies and agents DON'T know---just what they DON'T
WANT you to know.
to Download Now!
you currently own an annuity or thinking of owning an
annuity, you MUST read this!
- The truth about how agents
get paid and why
don't want you to know.
- The annuity you MUST
own (if you're going to buy one).
- Getting Out of the Annuity You Are In Without
- 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
down and talk with an annuities agent.
- Why a 'minimum guarantee' can do more harm than
- How your annuity is being double
taxed and what you can do about it.
to use minimum
guarantees to your advantage and why not understanding this can
- Exactly what you
know about the 'index annuity' and what your agent isn't
- When an annuity becomes your worst
nightmare-- don't let this happen to you.
- The differences between a fixed and variable
annuity and the pros and cons of each.
- 'Minimum Guarantees'...
these can work for or
You'll learn exactly what to look for.
- The 'right' questions to
ask your agent so that you get exactly what you need.
- How 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% or more of your return by 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
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
- 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 get.
- One way to leave
beneficiaries more money than your annuity's cash value.
This alone can change the lives of your loved ones after your passing--
this one tip alone will amaze you.
- The 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.
- How to possibly get out of your existing
annuity in much better shape than had you held it to its term by ACCESSING
A SPECIAL PROGRAM NOT AVAILABLE ELSEWHERE. THIS
INFORMATION IS VALUABLE AND UNPRECEDENTED.
NOW---Where to go to
receive a COMPREHENSIVE personal
annuity evaluation to tell you whether
you own a PASS or FAIL annuity. This will give you the whole story
about the annuity you currently own and access to possible help to
recover your money (if appropriate).
Just The Beginning. There's much
Click Here To Download
- The key ingredient to tell a
good agent from a
bad agent. It's your hard earned money-- don't give it
because you didn't know this critical information. As far as I
know, I'm the only one publicly and vocally 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
money in a declining stock market. This tip can be your
- How annuities may reduce or even eliminate
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 an annuity to minimize
your own personal taxes.
- A list of all the right questions you better
ask before buying an annuity.
- Discover techniques to eliminate
estate taxes and why almost nobody is doing it
- How to have more spendable
- 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 the bonus will do
you more harm then good.
- 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 some of the upside of
the market-- WITHOUT
THE DOWNSIDE RISK OF THE
- Learn if you're in danger of the IRS 'tax time bomb'
that could rob you of 50% or
more of your money!
- Beware of the 10% annual
withdrawal. I show you how you can be penalized and
the annuities with the least amount of liquidity don't necessarily have
the best performance and one solution to this dilemma.
- How to increase
your current annuity value by as much
Click Here To Download Now!
The information that
I reveal has agents in my
industry outraged. They cannot understand why I would do such a
thing! The truth of the matter is simple-- innocent people are
being hurt. I can't sit back with a clear conscience and watch it
Ideally, your annuity should be a good deal for your bank, the
insurance company AND MOST IMPORTANTLY YOU!
Unfortunately, this is not
often the case---with your interest coming in DEAD LAST. This is
an area where what you don't
know really can hurt you!
own an annuity,
then the following questions
have to be answered:
interest rates are you
currently getting and are they competitive?
- Are the interest rates getting
is the rating of your
insurance company? (Critical)
- What are your surrender charges?
your principal ever at risk?
- What retirement & income
options does your annuity have? Are any of them worth doing?
your annuity Medicaid
- Did you properly designate your
beneficiary, annuitant and ownership of your annuity? Getting
this wrong can be VERY EXPENSIVE.
- How safe is your annuity really?
- What type of return your annuity
is designed to pay?
will you annuity be taxed to
you and your beneficiaries? Did your agent fail to optimize your
money to counter the special and adverse annuity tax rules?
- How does your annuity fit into
your overall financial plan?
These are just a few
of the issues 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. And
one or more of the answers from above may be distressing. And
most importantly, we tell you where to go for an objective, expert
opinion of your annuity and your specific situation.
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.
If you rely
solely on the annuity salesperson for
information, chances are that you will make an expensive mistake.
His "free" advice is often worth even less than what you pay for
There is a lot of
misinformation about annuities -
especially on the Internet. It's almost always provided by
someone in the industry, particularly someone trying to sell you an
annuity. If you haven't experienced this yet, keep searching and
you will learn how true that statement really is. From BIG
insurance companies to independent sites, it's hard to find the right
unbiased information you need.
Let me share what
sets us and our information
INTEGRITY---We Won't Try to Sell You an Annuity
not a lead generation
company. Neither I NOR ANYONE ELSE WILL TRY TO SELL YOU an
annuity or any other product or investment. Most companies who
offer any sort of annuity "information" (or misinformation) are usually
just trying to sell you one. Our goal is to get correct
information in your hands that will help you avoid the mistakes many
others have made. And if you, like many others we have found,
have been ripped off, we can help you to recover your money. <>
At Your Service---We're Here for You.
Too many internet
companies lose credibility
because they hide from their customers. You may need help, and fast
service is important to preserve your recovery rights. AnnuityMD
has dedicated customer support staff ready to serve you. You can reach
us anytime at:
Contact us by email here.
Despite my title,
I'm just a regular guy who's
available to you personally. Contact me by phone at
248-933-2033. This is my direct line. I answer the phone
myself when I'm around.
3. In Plain
English---This information is simple to understand.
Look, it does you
no good if this information is
not simple to understand. AnnuityMD materials are in everyday
language so that ANYONE can read it and comprehend what annuities are
and are not, and what's really going on in this deceptive aspect of the
It breaks it
down. It offers the pros and
cons of the different types of annuities so that you can decide what is
best for you and your family. And it shows you what steps to take
if you have been misled.
Some sales 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!) Others make it sound
so simple (which annuities are far from). Either way, these
tactics are cleverly crafted to get you to buy.
You'll know EXACTLY
what to look out for after
owning this book and nobody will be able to pull the wool over your
IT'S UNIVERSALLY USEFUL---Whether you're considering annuities, or if
you own an annuity, and are trying to figure out what to do, this is
information is for anybody who
owns an annuity or who is thinking of buying one. The information
contained in this product will help you make good decisions---AND AVOID
A COSTLY NIGHTMARE.
not saying that you haven't made
good decisions in past. I'm telling you that I know this
industry, the products, and the people and companies involved. I
know what agents are out there saying to individuals just like
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 said is true?
makes sense, doesn't
you're not protecting yourself,
then nobody else will.
You get INSTANT ACCESS to this information.
information is just a mouse
click away. After you click the download link, you will
be directed to a private download page where you'll download your copy
of my book. No waiting. You'll have this money saving information
in your hands minutes after deciding to take action.
is exactly what to expect when
you order my product:
1) You click the "Download 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.
are now on the path to
understanding annuities as well or better than your sales agent and
you'll be protected from unethical salespeople and bad annuities.
You'll have the knowledge that only people in the industry have.
get started right now?
Find out the truth about how agents get paid and how insurance
companies make money by selling annuities.
may be able to find some
outdated book at the bookstore that will bore you with complicated
language and a bunch of fluff about the different types of annuities,
but this book is the only one that you'll find that breaks down and
uncovers what's really going on. Note: Most of those books
are written by so called 'financial experts who in reality have
ulterior motives to do so (i.e. SELL YOU AN ANNUITY).
you could call up your agent
(if you have one) and try to pry this information from them. However,
people in this profession (even when they know these secrets) are so
tight-lipped about what I share with you, that you'll never get it out
of their mouth... never ever!
information is practical and not theoretical---And it's in plain
So many products out
there explain annuities in
theory, but never give you everyday practical advice that you can
use. This information is the bottom line on annuities.
You'll learn the
most practical solutions to your
needs. This is where you can be a winner when it comes to
importantly, YOU WILL UNDERSTAND IT.
It is not written from an "agent's" point of view but rather from
the consumer's point of view and it is written in plain English and not
in 'industry jargon.'
Where else can you
get this valuable information???
Remember, the agent
and insurance companies want
you to BUY PRODUCT and won't share the practical but only the
theoretical hype surrounding the product. AnnuityMD wants you to
choose your future wisely and provides you practical information that
you can use RIGHT NOW to make the best decision.
8. I don't
promise you'll make the absolutely best financial decision or other
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.
can be one of the best or worst
vehicles to you reaching your financial goals. You'll learn to
avoid them when it doesn't make sense and to use them properly if you
do decide to use them. Furthermore, if you already own one, you'll
learn if you made the right choice and what to do if you didn't!!!
Furthermore, we give
you access to WMi to analyze
the annuity you have purchased or thinking of buying.
This information is
know and understand the inside information that only people in the
industry are privy to. Also, you'll get special access to a
comprehensive analysis to make the best decision regarding YOUR
9. This is not some 5 page brochure
talking about annuity basics.
is a fully packed documentary that delivers every little bit of
information promised on this site. It is deep and full of
Unlike almost every 'free' offer on the internet, it's not designed to
entice you to call us and buy an annuity (WE DON'T SELL THEM).
also not some 5 page poorly designed brochure. It has been around
YEARS and is still proudly being offered to consumers like yourselves
to assist you in making the best decision about your financial
10. We have
put this product in the hands of many people and have had phenomenal
feedback and results.
information has helped
consumers avoid costly mistakes. Our testimonials are here for
you to see. We include first and last name (and require it in
order to post a testimonial). In fact, please feel free to
us after getting your copy and testify to others what your experience
has been. Read below what others like you have said about our
About 'The Shocking Truths'
By they way, please notice that all of our testimonials include first
name (or initial), last name, AND location. Unlike many companies
who place fictitious names and stories in order to hype up their
products, WE only publish
testimonials of clients who allow us to use their REAL full names and
have REAL results.
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.
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
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?
isn't cheap but it's worth it considering the benefits. It's
currently $99 (Please see special
marketing test below).
Special Marketing Test:
offering a very limited HALF-PRICE DISCOUNT
(only for a couple days as a test). If you order my product
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 HALF-PRICE DISCOUNT.
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.
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