Tuesday, March 15, 2011

BHC Marketing

Annuity Agents often ask me which annuity wholesaler is the best to work with. While there are many good ones, of of my favorites happens to be BHC Marketing. For those of you who don't know, BHC is a company that helps agents in the insurance industry provide great insurance products to their clients including annuities. My first experience with them was several years ago, where I flew down to meet with them. They run a fabulous operation and are run by Shelby Smith, the President of BHC, who has great knowledge of the insurance business.

BHC Marketing was recently acquired by Futurity First. This acquisition was announced on september 27th of 2010. I am including a link below to the press release that announced this acquisition.

Hopefully this acquisition will help BHC to continue to be one of the great companies in the annuity wholesale business.

Sunday, February 06, 2011

Annuity Scams

Annuity scams are becoming more prevalent today and you need to be careful.

Many annuity salespeople are victimizing their prospects and even clients by selling them annuities that may be unsuitable. The tough economy is not doing any justice to these scams neither. Many people are falling victim to annuity sales reps trying to make a quick dollar.

It is very important to be well informed of what your agent is trying to do for you. Ignorance is certainly not bliss when it comes to this area. Being scared into investing into an annuity is not a way for you to make a good decision. Furthermore, it is important you are well educated when trying to make a good decision and not be the victim of an annuity scam.

For more information on how to avoid this and make the right choices when it comes to your annuities, please visit us at http://www.AnnuityMD.com

Wednesday, February 02, 2011

Annuities: Will I Be Taxed When I Die?

Will I Be Taxed On My Annuities When I Die?

This question is not uncommon. First and foremost, you must understand that there are several taxes that must be taken into consideration. Your annuity value will be included in your estate value at the time of death. So in the case of estate taxes, if you are over the exclusion amount, they can create a tax burden.

More importantly however, is what happens to the inheritor of your annuities. Your heirs are taxed on the gains in your annuity value. Here is a great explanation of this from about.com.

Upon your death, your heirs inherit the $200,000. Tax rules say their cost basis in the investment will be the investment’s value upon your date of death; in this case $200,000. They can now sell it, and pay no tax on the $100,000 of gain.

This step up in cost basis does not apply to annuities.

If you invest $100,000 in a variable annuity, and it doubles to $200,000, upon your death, your heirs will have to pay taxes, at their ordinary income tax rate, on the $100,000 of gain. This could result in federal taxes of $15,000 - $35,000, depending on their tax rate.

No tax would be due if the investments had been placed directly in a mutual fund, instead of inside the variable annuity.

Unfortunately, when variable annuities are sold, far too few advisors explain that your heirs may pay thousands in taxes, instead of no taxes.

However, there is a solution for this. There are ways to make the value of your annuity tax free if you take particular actions. To better explain this, please clicck on the following link:

Tax Free Annuities

This site has a great program to help you take advantage of some laws that may help you. Hopefully you find benefit in this.


Tony Bahu

CEO AnnuityMD.com

Tuesday, January 18, 2011

Your Annuity Value is at Risk


Annuities can be a great way to accumulate and grow your money. However, the tax deferred
feature of your annuity may be creating a tax nightmare for your family and loved ones.

In fact, dying with your annuity could cost your family over half of the value of your
hard earned inheritance? Please read on.

We are offering a special no cost report that details how to pass on the value of your annuity completely tax free to your family if you qualify. There are no strings attached to receiving this no cost report.

If you visit:

you will have access to this report immediately.

This report will detail thoroughly what it takes to make sure that Uncle Sam does not become
the number 1 inheritor of your estate.

This report will show you what you can do to avoid the tax time bomb that your annuity is turning into.

As always, if you have any questions, feel free to reply to this e-mail.

I hope this report helps.


Tony Bahu

Monday, January 10, 2011


Welcome to all who have been reading this blog on annuities. We have officially moved our blog over to http://Annuities.AnnuityMD.com

Here you can find our publication 'Annuities: The Shocking Truths Revealed.' This report exposes all the secrets that you have never been told by your insurance agent and the insurance companies. It reveals everything you need to know to make an informed decision on your annuity purchase.

So come on over and pay us a visit and see what all the hype is about. We have been informing consumers for over 6 years on this matter and we are the consumer authority on annuities. It is non-biased real life advice made for you!!!!


Tony Bahu

Saturday, January 08, 2011

Are Annuities a Good Idea???

Are annuities a good idea for your future? Well, many people often ask this question although it is not a question that is easily answered. The answer of this question really lies in what you are out to accomplish with your investment.

Many investors are looking for the magic bullet...the investment that solves it all. Well, no investment can do this for everyone simultaneously. What's good for someone else may not necessarily be good for you.

Annuities have great features which could prove to be good benefits for you. However, a good feature may be a bad benefit as well. For example, 'tax deferred' may be a great feature for someone looking to accumulate money, however, for someone looking to pass money on to their heirs, this may be a terrible feature. It is simply because it may cause a huge tax time bomb to be created for the heirs. For more on this, please click on annuities tax free to learn more.

All in all, you must learn what the features mean TO YOUR SITUATION. This is the most important thing. Also, you must know that at face value the feature may seem good but underneath it all, there is some sneaky insurance company tactics behind it. The best thing is to be informed. We recommend our resource called, 'Annuities: The Shocking Truths Revealed', which will give you much insight as to what annuities can and cannot do and whether they are right for you. Please feel free to visit AnnuityMD.com by clicking on the title of this entry. Hope that helps!!!!


Tony Bahu

Friday, January 07, 2011

Annuities Tax Free

The Secret to Making the Value of Your Annuities Tax Free to Your Heirs

Is there really a secret? Well, the one thing you might want to know is that dying with your annuity may not be your best bet! With annuities growing in popularity and the population---well, growing old---it's no secret that many annuity owners will end up dying with their annuity.

But is an annuity the best vehicle to use if you want to pass money on to your children? Well, it may not be and you need to know why. Below, I am going to provide you with a link to a website that shows you a way to turn the value of your annuity into a tax free inheritance for your children if you qualify.

The site is straight to the point and offers a free report that tells you exactly what you need to know to do this. So feel free to visit the link below. By the way, if you plan on dying with your annuity or plan on using it to pass to your heirs, YOU MUST SEE THIS!!! If you have any questions, please feel free to comment or to let us know. The 'Annuity Legacy Plan' report can be found by clicking on the link below or by visiting:

Remember, ignorance is NOT Bliss!!!!!


Tony Bahu