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Sales Week: Your guide to annual review meetings with clients

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Use these simple conversation starters to guide your discussions

As 2023 comes to a close and we begin looking toward 2024, it's the perfect time to check in with your clients for an annual review.

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These six topics provide a great foundation for annual review conversations with your clients.

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1. New goals — Does the client have any new goals for the future that could be achieved with adjustments to their current plans and portfolio? Get a feel for what they see on the horizon, and offer up recommendations to help them accomplish what they’re envisioning. 

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2. Retirement strategy — Go over their retirement vehicles. Provide an overview of their performance  over the past year, and recommend changes or new options to help the client meet their goals.

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3. Life changes — It’s no secret that life has its ups and downs. Has the client gotten married, been divorced or experienced health issues? All of these and more are potential reasons to fine-tune their financial strategies. 

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4. Effects of market volatility and inflation — Talk through the impact market ups and downs may or may not have on the client’s financial strategies. For example, if they own EquiTrust fixed index annuities (FIAs), it’s worth a mention that FIAs help protect their principal.

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5. Beneficiary updates — Any check-in with a client is a great opportunity to make sure the beneficiaries they have in place are still correct and current.

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6. Overall income, assets and expenses — Take this opportunity to create or update an inventory of the client’s overall income, assets and expenses. This can help both you and your client assess their overall strategy.

Use this Income, Assets and Expenses Worksheet when working with your client.

Income and Asset Worksheet

Before your annual review wraps up, make a plan to check in with the client throughout 2024.


Can’t-miss special offers

Have you taken advantage of our limited-time specials yet? Remember, these offers are only available through 12/31/23.

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Earn $500 for each E-App

Earn $500 for each E-Application (E-App) — up to $2,500! E-Apps streamline your business by simplifying the application process and minimizing errors.

2% Premium bonus

Premium bonus boost

We’re increasing premium bonuses by 2%1 on select products through the end of the year. Help clients get in on the action and jumpstart their retirement income strategy!

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Earn Bridge Bucks cash bonus + extra 1% commission!

Earn up to $4,500 in Bridge Bucks cash bonus plus an extra 1% commission on all Bridge sales.




Qualify for the ultimate island adventure in magnificent Turks & Caicos!

The top 40 producers meeting production requirements will qualify for a world-class travel incentive from EquiTrust to sunny Turks & Caicos.

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The qualification period for this incentive runs from November 1, 2023 through October 31, 2024. Eligible business must be issued by November 15, 2024, to qualify. The minimum production requirement is $5 million in production credit in 5 or more cases on eligible business. All currently offered EquiTrust products are eligible.


Have questions about the importance of conducting an annual review with clients?
Call us at 866-598-3694.

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EquiTrust does not offer investment advice to any individual or agent/producer and this material should not be construed as investment advice. Products underwritten, issued and distributed by EquiTrust Life Insurance Company, West Des Moines, Iowa. For Producer Use Only. © EquiTrust 2023. All Rights Reserved.

0720-GEN-EM-SW (11-23)



7100 Westown Pkwy Suite 200
West Des Moines, IA 50266


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