CD Opportunites
This type of asset often matures quietly in client portfolios and may be positioned for greater legacy impact.
What is a CD?
A $100,000 repositioned asset creating nearly $190,000 tax-free to heirs demonstrates this concept.
What is multiplying a legacy gift?
One strategy highlighted combining enjoyment today with legacy tomorrow.
What is maximizing a gift?
“I really don’t need this money.”
What is a wealth transfer opportunity?
This is often the most important advisor skill in uncovering insurance opportunities.
What is asking good questions?
This client goal often includes phrases like “leave something behind” or “help the kids/grandkids.”
What is legacy planning?
This type of life insurance funding approach uses one lump sum payment upfront.
What is single premium life insurance?
The sample client used part of the assets for this family experience while still creating a legacy.
What is a dream vacation?
This advisor skill creates more opportunities than product knowledge alone.
What is asking great discovery questions?
A client mentioning “I don’t really need this money” should prompt exploration around this.
What is legacy intent?
Using one asset to create a larger benefit for heirs is called this.
What is leverage?
Beneficiaries commonly receive this insurance benefit income-tax free.
What is the death benefit?
This planning concept involves using only a portion of assets for legacy leverage.
What is partial repositioning?
This common bank event can naturally open conversations around legacy planning.
What is a CD maturity?
This type of conversation focuses less on products and more on client goals.
What is discovery-based planning?
This banking event can create one of the best opportunities to discuss repositioning assets.
What is a CD maturity?
In the flyer example, the client was still able to access this while living if needed.
What is the original premium/cash value?
A client saying “I want to enjoy some money now too” creates an opportunity for this kind of conversation.
What is balancing lifestyle and legacy goals?
This benefit often surprises clients: They may still maintain access to their original money if needed.
What is liquidity/access to premium value?
Clients are often more receptive when advisors focus on this rather than “selling insurance.”
What is solving a client goal or problem?
Clients concerned about low yields may be open to exploring this concept instead of simply renewing.
What is maximizing the legacy value of their assets?
This question can uncover whether a client values efficiency over simply earning interest.
“Would you rather this money earn interest—or create a larger impact for your family?”
This discovery question helps uncover emotional motivations behind money.
“What would feel more meaningful—leaving money later, creating memories now, or both?”
This simple question can uncover major family planning opportunities:
“What would you like this money to accomplish for the people you love?”
What is a powerful discovery question?
This powerful discovery question can uncover hidden legacy opportunities.
“If this money could do more for your family than simply sit in a CD, would you want to explore it?”