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:
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2026 Taxable Equivalent Yield chart
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Split-annuity alternative guide and checklist
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CD vs. FIA sales strategies
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SPL sales tips and comparisons
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Client materials: Going Broke Safely and a rate cut impacts guide
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Prospecting letter, client email, and fillable fact finder
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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!