Skip to content

🔥 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:

  • Clients over 60 with maturing CDs in the next 3–6 months

  • Pre-retirees with large CD or money market balances

  • Conservative savers who liked the idea of 5% short-term guarantees

  • Bank loyalists who don’t realize annuities are even an option


💡 What to Offer Instead:

  • MYGAs with 5–6% multi-year guarantees

  • Index annuities with performance triggers that outperform CDs without market risk

  • Tax deferral — clients won’t get 1099’d each year like they do with CDs

  • Liquidity options like 10% annual withdrawals, RMD exemptions, or terminal illness riders

  • 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:

  • Send a CD Renewal Reminder Mailer

    “Rates have changed. Before your bank rolls you into a lower CD, let’s compare your options.”

  • 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.

  • 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.