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🔥 Summer Sizzle, Week 1: The CD Rollover Client.
How to Turn Maturing CDs Into Long-Term Wins for Your Clients
CDs had their moment in 2023 and 2024. But now those 1- and 2-year CDs are maturing, and clients are realizing:
Renewal rates are falling… and so is confidence.
This summer is your chance to step in with something better — before the banks roll them into another underwhelming offer.
👀 Who to Look For:
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Clients over 60 with maturing CDs in the next 3–6 months
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Pre-retirees with large CD or money market balances
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Conservative savers who liked the idea of 5% short-term guarantees
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Bank loyalists who don’t realize annuities are even an option
💡 What to Offer Instead:
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MYGAs with 5–6% multi-year guarantees
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Index annuities with performance triggers that outperform CDs without market risk
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Tax deferral — clients won’t get 1099’d each year like they do with CDs
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Liquidity options like 10% annual withdrawals, RMD exemptions, or terminal illness riders
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No probate — the death benefit passes directly to their heirs
💬 Advisor Talking Points:
Here are a few scriptable ideas you can use:
“Your CD gave you a good year — now let’s do better with something that defers taxes and keeps your money growing until you need it.”
“You already liked the guarantee — now you just need a way to stretch that safety out longer with better benefits.”
“Most people don’t realize annuities can offer CD-like guarantees, but with more control and better outcomes.”
“The bank may auto-renew you — but that’s not always in your best interest. Let’s explore all your rollover options first.”
📬 Simple Summer Marketing Ideas:
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Send a CD Renewal Reminder Mailer
“Rates have changed. Before your bank rolls you into a lower CD, let’s compare your options.”
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Email Campaign to Past Clients or Leads
Include a rate sheet or link to the MYGA Leaderboard — something they can’t get from their banker.
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Host a Coffee & Conversation Event
Invite your clients (and their friends) for an informal review of what to do with maturing CDs. Keep it short and value-focused.
🔗 Want an Easy Icebreaker?
Use our MYGA Leaderboard to show clients what’s possible.
It’s the perfect conversation starter — no fluff, no forms, just the best rates by term, rating, and liquidity.
Show them how today’s annuities stack up against their CD renewal letter.
You might be surprised how quickly they say yes.