---
title: 2025 CD Replacement Kit - October
description: Help clients explore CD alternatives before interest rates drop. Our 2025 CD Replacement Kit features updated tools and strategies - request a copy today.
image: https://resources.iamsinc.com/hubfs/CDReplacementKit_2025Oct-Shadow.jpg
---

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# 2025 CD Replacement Kit - October

![CDReplacementKit_2025Oct-Shadow](https://resources.iamsinc.com/hs-fs/hubfs/CDReplacementKit_2025Oct-Shadow.jpg?width=593&height=345&name=CDReplacementKit_2025Oct-Shadow.jpg)**Lock in smarter alternatives before rates drop**

The Federal Reserve’s latest interest rate cut is already making waves, and annuity carrier announcements won’t be far behind. In the weeks and months ahead, we expect new-money rates to start trending down. Now's the time to help clients lock in today’s stronger options before they slip away.

Even with rates dropping, many clients still lean toward CDs. They may see them as “safe” or simply be unaware of the better alternatives available. This is where you can make an impact. Annuities offer safety, guarantees, and features that CDs can’t match - and our 2025 CD Replacement Kit gives you the tools to start that conversation.

What's inside:

- 2025 Taxable Equivalent Yield chart
- Split-annuity alternative guide and checklist
- CD vs. FIA sales strategies
- SPL sales tips and comparisons
- Client materials: *Going Broke Safely* and a rate cut impacts guide
- Prospecting letter, client email, and fillable fact finder
- New social cards and post copy

Complete the form here to request the updated kit so you're ready to guide clients toward stronger, smarter CD alternatives before rates start to fall further .

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