When Clients Bring You CD Money, Don’t Stop at MYGAs

Do you run to the top of the spreadsheet and quote another MYGA rate…
or would you rather show your client how the same $100K can be worth $180K tax-free on Day 1?

Even the highest-paying fixed rates today only grow $100K into about $132,565 after five years — and it’s taxable.

With single-pay life, your client has something they can use immediately — with tax efficiency and multiple safety nets built in.

Here’s What That Same $100K Can Do:

👉 Legacy Boost – $180,000 tax-free immediately to their family (projected to grow to $305,155 at life expectancy)

👉 Chronic Illness Protection – up to $2,996/month or $134,750 lump sum

👉 Nursing Care Coverage – up to $4,993/month or $152,750 lump sum

👉 Terminal Illness Advance – $170,750 lump sum if the worst happens

👉 Longevity Insurance – income option at age 85: $3,000–$4,386/month for 5 years

👉 Safety Net – 100% Return of Premium if they ever want their money back

Why This Matters

This isn’t about ditching annuities — MYGAs and CDs both serve a role. But when your client is healthy enough to qualify, single-pay life gives you another lever to pull.

It’s about showing clients more ways to protect their money, their family, and their future — all from the same rollover check.

Advisor Takeaway

Life Insurance Awareness Month is the perfect time to have this conversation. Instead of quoting just rates, ask:

“Would you rather grow your $100K into $132K taxable over five years… or have $180K tax-free on day one with built-in protections?”

That single question reframes the value of life insurance — and helps you stand out as more than just a “rate shopper.”

👉 At Synergy, we provide the side-by-side comparisons, case studies, and scripts to help you win these CD rollover conversations.