Thursday, August 16, 2007

Allianz Endurance

If you are looking at the Allianz Endurance 15 be glad you came to this. There are many intersting facets about an annuity that you need to know. One thing you need to know very badly is that you aren't getting a 15% bonus for free....WAKE UP!!!! No, I know you think that you know but sometimes it's more than meets the eyes.

Bonuses can be very tricky. There is ALWAYS a price to pay for these bonuses. It's not bad if you TOTALLY understand the consequences and are willing to pay the price, however, if you don't completely understand, you could find yourself in a big mess.

Bonuses need to be used with care. Again, the cost of taking a bonus is sometimes SEVERE. I promise you that 98% of people who look at the bonus are very unclear of what price they have to pay for that bonus. Do you think the insurance company is just being nice to you because they like you? ABSOLUTELY not. do your homework.

The greatest resource I can suggest to you is at No, it's not free----but I guarantee you that Ignorance will cost you more.

I hope you are willing enough to at least listen. If you are thinking about the Allianz Endurance 15 or any other bonus equity index annuity, you better do your's your money---you better take care of it.

Ignorance Isn't Bliss....


Tony Bahu

Thursday, May 10, 2007

Annuity News

Well, things always change in the annuity world, however, the following never changes: You need to know exactly what you are looking for before you start looking for an annuity. I get so many phone calls asking if a particular annuity is right for someone. The answer is that it depends. There are things annuities can and cannot do. If you are in one that doesn't do what you want it to do or it doesn't fit your investment profile, then that annuity will suck for you....period. So know what you want!!!

Monday, March 26, 2007


Well, if this isn't controversial, I don't know what is. Many of you know me very well and some of you reading this don't. I am the author of a report entitled 'Annuities: The Shocking Truths Revealed.' My intention never was to hurt anyone with this report. Nor was it designed as a marketing ploy to attract 'annuity leads.' Nor was it designed for any other reason other than to help consumers make GREAT decisions when buying annuities.

It is not a report that in any way bashes annuities. In fact, it helps people make great annuity decisions. It sheds light on what you need to know to make an informed decision. It sheds light on a particular area that leaves people in the dark. Now, I never thought this would get as controversial as it has lately. Allow me to explain:

I have done business with many insurance companies. In fact, I have written business with several carriers. I believe annuities can be great vehicles if used properly. However, when sold improperly, they can be a consumer's worst nightmare. Since getting in to the pro-consumer side of the equation, I only write business when a client is frustrated enough not to want to work with anyone else. In fact, I don't even call people who purchase the report in hopes of doing business with them (as of the time writing this). My goal is to deliver the best information in the industry to help inform consumers.

Well, this website has caused controversy beyond my imagination. In fact I WAS RECENTLY DENIED AN APPOINTMENT WITH AN INSURANCE COMPANY BECAUSE OF MY WEBSITE. And what's worse, was they denied me while I was actually ENDORSING THEIR ANNUITY WITH A CLIENT. The client read the book and saw that the particular annuity I favored FIT THE CRITERIA of the book.

However, the insurance company saw things differently. They did not like my website. I don't know exactly why but I could only venture to guess. The bottom line is----IT'S CONTROVERSIAL. The website opens consumer's eyes to allow them to look at what nobody will tell them. And as far as the is a must read. It is necessary for anyone getting into an annuity.

I just received a letter from a gentleman who got out of an annuity he got into and lost $145,000 due to surrender charges. I GUARANTEE if he got our book HE WOULDN'T HAVE MADE THAT MISTAKE. Yes, had he read the book and followed it, he would have known not to touch that annuity.

It's controversial but it's damn good. Check out It's worth a look. For those who send me your stories of how the book has helped you, I appreciate it. I hope I can continue to provide information to unsuspecting people to open their eyes.

Ignorance isn't Bliss
Tony Bahu

Tuesday, February 27, 2007

Two Tier Annuities Continues

So now that we are on the subject of two tier annuities, let me go over that again.

From an earlier blog post, here is the definition of a two tier annuity:

'Now, as far as two-tiered annuities, they have no defined end of term. This means that no matter how long you keep the money in, it has to stay in until you 1) stay in for a defined period and 2) take your money out over a defined period. It calls for two sets of action in order to free yourself of a surrender charge. It is sometimes not a great deal for the client.'

So awareness is the key to making great decisions. With that in mind, what you need to know is this. Two tier annuities have been and continue to get heat from consumers and attorney generals all over the country. Some states have gone as far as banning them from being sold in their states (one example is New Jersey). Some companies are notorious for having many two tiered annuities in their portfolios. They may seem like a good deal but you must be aware of ALL factors before getting involved. Two tier annuities are not horrible for everyone or every situation, but they can be detrimental if you don't know what you're getting into.

With that in mind, it is important to know your product and ask your salesperson very detailed questions. Don't get caught in a two tier annuity if you don't know everything about it.

Next time I will point out a list of specific two tier annuities that you will want to be careful of before you get involved. Until then...

Ignorance is NOT Bliss....

Tony Bahu

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

Tuesday, February 06, 2007

Annunities, Annuties, or Annuities??? How do You Spell the Damn Word???

I just felt like taking a break from writing all the serious stuff and giving you a list of ways that the word annuity or annuities is misspelled! Enjoy and feel free to comment...I am going to do this by writing an article with each reference to one of these words misspelled!!!

When dealing with innuities, it is important that you do careful research. While annunitys can be great vehicles sometimes annuitues are tricky! Annuinities have the tendency to be difficult to understand sometimes so if you want to purchase an annuitie, make sure you do your homework.

While doing your homework on annuties, please be sure that you purchase an anunity for the right reason. If you don't have time on your money, than annuitys may not be right for you. You are rewarded in an anuity by giving the insurance company time on your money. Anuities can give you a great rate of return but be prepared to let you money stay in the annunity for a while.

And last of all, make sure you get your innuity from a reputable person.

So choose your annunities with caution and do your proper research before buying annuties.

Hope you enjoyed that!!!


Tony Bahu

Here is the list:

Monday, February 05, 2007

What's Hiding Under My Annuity?

Whatever type of annuity you are dealing with, I am sure you probably don't know everything about it. Now, that sounds like an obvious statement but let me go on.
There are statements behind the statements when it comes to annuities. For example, annuities in general (not all of them) allow a consumer to take out 10% a year. At first glance that sounds like a great proposition. Well, what they don't tell you, is most of the time you can only take ONE withdrawal per year. Yes, one withdrawal up to 10% but no more than 1 withdrawal. Therefore, if you take one withdrawal for 2% and try to get 8% more later that year, you can't do so without being penalized.
This is ONE example of many. There are so many more examples like that.

Many of us as consumers are guilty of buying things we don't know enough about. The same goes true for the things we invest in. Well, the problem with annuities are that they are long term commitments. Any annuity requires some type of time commitment. So to not know what you're getting into is suicide. Many people have horror stories about their annuities. I guarantee most of that is not necessarily because they bought a BAD annuity, but an annuity that was BAD for them.

Bottom line is, you gotta know what's hiding underneath that variable annuity, fixed annuity, or whatever annuity it is you have. If you don't, you will be hurting yourself for the future....believe it. I see it all the time. Take time to understand what it is you're getting into and it will pay off for the years to come.

Ignorance AIN'T Bliss...
Tony Bahu

Sunday, February 04, 2007

Annuity Information

Annuity information....where can you find it??? It seems like everyone needs help with an annuity. Are they perhaps the most misunderstood vehicle? It seems to be that way. When searching for good information on annuities, it is very important to always make sure you look at who is giving you the advice....More on this tomorrow!!!

Friday, February 02, 2007

Annuity Problems

Annuities have to be the most understood investment/savings vehicles known to man. I can't believe the number of calls I of people being so confused. It's not that the vehicles are necessarily confusin, but that there is so much conflicting information on annuities it is ridiculous. Good press on annuities, bad press on annuities...agents that don't understand what they're selling and so on and so forth.

The bottom line is that you need to know your stuff before putting your hard earned money into anything....and annuities are no exception. Great information can be found but it is important to be able to distinguish what is good and what is bad. Bottom line...too good to be true is probably not true; horror stories probably have more behind them.

Great information on annuities can be found at Yes, that is a plug and yes that is my website. But the information is good. It's non-biased and not meant to be a sales tool for agents to sell annuities from. Check it out and see what you think. If you think it's expensive...try to see how much ignorance will cost you.

Tony Bahu
Ignorance AIN'T Bliss...