May 29, 2025
The Power of Annual Reviews: Summer is Not the Off-Season. It’s the Growth Season.
Open doors to more premium, new client needs, and referral opportunities that grow your book of business year-round.
While educators are busy shaping generations of students, few have the help they need to shape their own retirement strategy. And, right now, thousands of these professionals are on summer break. They finally have time to breathe… and time to meet with someone who can help them make the most of their financial future.…someone like you.
Why Client Reviews Matter More Than You Think
Annual client reviews are more than good practice, they’re your business growth engine. Flexible premium annuities are built to evolve, and that evolution depends on you staying engaged. Done right, each meeting becomes a triple opportunity:
- Boost Premiums in Existing Policies
Most clients underfund their annuities simply out of habit or lack of awareness. A review gives you the opening to:
- Update financial goals and retirement timelines.
- Recalculate contribution potential based on salary changes or updated budgets.
- Illustrate compound growth projections with increased funding.
See Premium Increase Program (PIP) Rules for qualifying premium increases.
- Uncover Additional Planning Needs
Once you’re reviewing one product, it’s natural to ask if they have long-term care protection, need life insurance, have updated beneficiaries recently? Is their spouse’s retirement plan aligned?
These questions uncover real needs that clients may not even know they have. You could be the only advisor who asks.
- Unlock Valuable Referrals
Teachers talk. When you deliver clear value and make retirement simpler, they want to share that relief. Let them know “I really enjoy working with people in education like you. If you know any coworkers or friends who might appreciate a quick review like this, I’d be happy to help them too—no pressure, no sales pitch.”
Reach out by call, text, and email: “Now that you’re on break, I thought this might be a good time to touch base on your retirement strategy—just a quick 30-minute check-in. What does your schedule look like this week?”
During each meeting review current contributions and benefits, identify opportunities for premium increases, discuss additional needs (insurance, planning, beneficiaries).
Make asking for referrals easy and casual: “If there’s anyone else in your family or at work who might appreciate a quick review, feel free to send them my way—I’d be happy to offer them the same support.”
Send thank-you messages, add referral names to your contact plan and outreach calendar.
“Have you had a chance to look at your policy since last summer?”
“If you had extra room in your monthly budget, would you consider putting more into your annuity?”
“Have there been any big life changes recently—family, health, or finances?”
“Do you know any colleagues who might be stressing about retirement planning?”
Tools to initiate conversations
Every review meeting is a chance to grow premiums, build trust, uncover gaps, and expand your reach. Start now, and you’ll thank yourself come September.
We’re Here to Help
Click here to contact your Retirement Services Relationship Manager.
