Turn Renewals into 6.75% Upside with 2.00% Guaranteed Floor Protection

March 30, 2026

A Critical Moment for Renewals and an Opportunity for You

In 2023, many clients locked into 3‑year annuities when rates were near historic highs — often 5% or more.1,2 Now, those same contracts are coming up for renewal in a lower rate environment. Many clients who value consistent, guaranteed growth may face a drop in yield if they simply roll into today’s lower fixed rates.

At the same time, the industry is preparing for significant turnover. This wave of renewals comes from record-breaking sales in 2023, when fixed-rate deferred annuity sales soared to a 46% increase from 2022, fueled by attractive interest rates amid Federal Reserve hikes, according to LIMRA.3 A recent report estimates $44 billion in 3‑year products will mature in 2026 alone.1

Trigger Rate Plus: For Clients Who Value Protection and Potential

For clients seeking principal protection with opportunities for growth, consider the Enhanced Choice Index Plus with Trigger Rate Plus crediting strategy tied to the S&P 500 Dynamic Intraday TCA Index. This strategy offers:

  • Downside protection: Even if the index drops, clients earn a 2.00% Guaranteed Earnings Rate.
  • Upside potential: If the index is flat or positive — even by just +0.01% — clients earn the full 6.75% Trigger Rate.4

Both the upside trigger and the downside floor are guaranteed for the full 5, 7 or 10‑year term. The result is a solution that feels familiar, while offering real potential to outperform in stronger years.

Turning Volatility into Consistency

Consider an example scenario with a Trigger Rate Plus strategy crediting 6.75% and a 2.00% Guaranteed Earnings Rate.4 If the S&P 500 Dynamic Intraday TCA Index ends flat or positive in only 4 out of 5 years, clients could still achieve an annualized return of approximately 5.78%.

What to Do Next

Now is the time to act. Review your book today and identify clients who purchased 3‑year annuities in 2023. Many are already at renewal or approaching it quickly. Reaching out early allows you to lead the conversation before any automatic renewals. Consider discussing the Enhanced Choice Index Plus with Trigger Rate Plus to help a solution that aligns with their original intent.

This wave of renewals creates a timely opportunity to reconnect with clients, reinforce trust and help them move forward with confidence.

If you have questions, please reach out anytime. We’re here to support you.

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