---
title: 2026 CD Replacement Kit - April
description: Show clients the power of an annuity investment with our 2026 CD Replacement Kit.
---

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# April 2026 CD Replacement Kit

![April-Header-Image-2](https://resources.iamsinc.com/hs-fs/hubfs/April-Header-Image-2.jpg?width=462&height=255&name=April-Header-Image-2.jpg)Higher rates, higher yields: Why annuities are a smarter alternative for clients

While CDs remain a safe investment option, the opportunity for competitive yields is shrinking. Over the last two years, the Federal Reserve cut interest rates multiple times—three times in 2025 alone—and many predict a further decline in 2026.

As inflation continues to rise, investors need to prioritize growing their purchasing power rather than locking funds away and letting them sit idle in an account. **CD Replacement Month** offers the perfect opportunity to discuss annuities as a higher-earning alternative. **Our 2026 CD Replacement Kit** gives advisors the tools to kickstart that conversation with clients.

What's inside:

- 2026 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, and more!

**Annuities offer safety, guarantees, and features that CDs can’t match.** Show clients the power of an annuity investment. Request your **2026 CD Replacement Kit** today!

 

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