Help Clients Transfer Wealth Using Fixed Annuities

August 1, 2018
Here's what you need to know before putting together a wealth transfer plan.

Your clients may be considering how to pass on their hard-earned savings to their children or grandchildren. Here’s what you need to know before putting together a wealth transfer plan.

The Sales Opportunity

Use These Three Tips When Discussing Wealth Transfer With Your Clients

1. Assess wealth transfer readiness.
Determine if your client will be making any large purchases (cars or vacation homes) or needs to set money aside for future expenses (retirement needs or nursing home care).

2. Navigate the beneficiary process.
While it may seem straightforward, remember to discuss and review beneficiary designations — especially in the case of divorce or remarriage.

3. Set guidelines to access funds.
A fixed annuity offers a variety of ways to structure the payout to a beneficiary, and can take into account the recipient's own financial needs, goals and tax consequences.


As your clients get ready to retire, there is a huge opportunity for you to help them craft a wealth transfer strategy using fixed annuities.


Sales and Marketing Toolkit

Download and customize these flyers:

Sales Concept Flyer

Wealth Transfer Producer Version
Companion Flyer

Wealth Transfer Consumer-Approved Version


1 The “Greater” Wealth Transfer, Capitalizing on the Intergenerational Shift in Wealth. Accenture. May 2016.

Annuities are intended as long-term savings vehicles. The annuity is not guaranteed by any bank or credit union and is not insured by the FDIC or any other governmental agency. The purchase of an annuity is not a provision or condition of any bank or credit union activity. Some annuities may go down in value.


Sales Ideas