Is It Time for an Annuity Refresh?

April 1, 2025

Reviewing your clients' financial goals is an ongoing exercise. By regularly meeting with clients, you can assess goals, update beneficiary designations and address future income needs. 

Interest rates are a good reason to review and refresh. The Federal Reserve raised interest rates 11 times between March 2022 and July 2023. If your clients purchased an annuity before March 2022, they may not be benefiting from those higher rates.1 An annuity replacement could help maximize their account growth — and position you as a trusted advisor in the process. 

What Are Rates Looking Like? 

Currently, the S&P 500® is down approximately 5% YTD and markets are volatile.2 The future of interest rates is uncertain. The CME Group FedWatch Tool, a gauge used to track the probabilities of changes to the Fed rate, currently predicts a 76% chance the Fed will lower rates during their June 18, 2025, meeting.3 If this prediction happens, future crediting rates on fixed annuities will likely come down. Today may be the time the act. 

Unlock Higher Earnings with Our Internal Transfer Program 

Take advantage of our Internal Replacement Program to streamline transferring funds between carriers. We offer full commission on most internal annuity transfers. This applies to annuity business out of surrender, written after 2008, for clients aged 85 and younger.4 Get the details here > 

Both you and your clients can take advantage of some of our most popular products:

  • FIA: The Enhanced Choice Index Plus is a proven performer with documented real product returns and client-friendly guarantees. Independent annuity producers can earn a bonus after $1 million of issued FIA sales.
  • MYGA: The Multi-Choice Annuity features unique choices of withdrawal options where the client can select the free withdrawal option that best meet their needs. Check our website for current guaranteed rates.

More About Sales Insights & Tools
Offering beneficiary reviews can serve as a conversation starter that helps you deepen client relationships, uncover new needs, and position yourself as a proactive partner in their financial well‑being.
The new Annuity Q&A Playbook is your go‑to tool for FIA questions. This guide helps you have clear, client‑friendly answers that build trust and pave the way to stronger relationships.
Discover how partial index crediting locks in growth and can add valuable benefits for your clients. See an example of how this feature works and the flexibility it offers through life’s changes.
Members of our Annuities team were recently featured in several industry publications, sharing insights on legacy planning, interest rate changes and index product opportunities.
For clients seeking more than fixed rate annuities, consider positioning the ECI Plus FIA as an alternative. This is designed to support retirement savings through guaranteed crediting features even in varying market conditions.
In today’s uncertain market, many clients are looking to protect their savings and grow their funds — ECI Plus delivers both. The innovative Trigger Rate Plus crediting strategy delivers guaranteed earnings no matter what.

Related Products or Services

Doing business with The Standard is good for you and your clients. Our annuities offer innovative product design, desirable rates, competitive compensation, high industry ratings and excellent service.