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The Shocking Secrets About Annuities That The Banks And Insurance
Companies Don't Want You To Know!
(This Michigan annuities sales agent infuriates the industry by
revealing astonishing truths about your annuity, the agents and
insurance companies that sell them, and the secrets that you've
never been told!)
"If you own an annuity or are thinking about owning one, not
reading this could be the biggest mistake you ever make."
-- Lillian Thompson
Not Reading This Could Cost You Thousands Of Dollars!
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 your
document to all my clients as a must read and I'm confident that
it will save them thousands of dollars and years of grief.
Thanks for a great document.
-- 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.
Thanks for a great product!
I'm 67 years old and after reading the information contained in
your document, I was able to explain to my annuity agent the
exact strategies that would eliminate estate taxes of $102,000;
almost eliminate income taxes of $64,000; have more spendable
income and pass more money on to my children. My agent couldn't
believe that I knew how to do this! Thanks again.
--Walter Gagnon, Retiree
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:
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:
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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%
Click Here
To Order Now!
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:
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 even
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.
3. 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.
4. 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.
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.
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?
I'd pay $1,000 for this information...easily!
When you talk about how to avoid the 'tax time-bomb' it explained
to me how to keep more of my hard earned money and will save me
tens of thousands of dollars.
--Thomas Wenchester, Ohio * * * * * * * * *
This information is priceless!
Unbelievable. I had no idea that my annuity didn't fit my
financial goals. I just followed the advice of someone and never
thought twice about it. Reading your product has changed my
entire outlook and will give me an opportunity to make some big
changes with my investments. It's important for me to pass as
much money to my beneficiaries as possible and now I know I will.
I recommend your product to all my family and friends who are
looking to buy an annuity.
--Warren Tomas, Michigan * * * * * * * * *
You should be charging more money for what you deliver.
Tony, I was skeptical at first before I purchased your
information. I'm glad to say that I was wrong for even doubting
what you promised. I'd pay twenty times more knowing what I know
now. Thanks again.
--Mary Lawson, California
Annuity Company Rating:
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people who really matter think about your annuity company. This
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Life & 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
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