Imagine trying to run today’s business on a 2015 operating system — slow, clunky, and completely out of sync with reality. You wouldn’t accept that kind of lag in your technology.
So why let your clients run their retirement plans on outdated annuities?
Retirement strategies, like software, need updates. And right now, most clients are still using Retirement 1.0 — a plan built for a very different market.
TODAY’S ANNUITIES ARE SMARTER. STRONGER. BETTER.
If your clients’ annuities haven’t been reviewed in the last few years, they’re likely missing out on:
- Higher guaranteed income
- Lower fees
- Smarter, customizable riders
- Better accumulation potential in a rising-rate environment
- Built-in healthcare benefits and LTC protection
If clients update their phone every 24 months, they can update their retirement strategy too.
WHY NOW?
Retirement 1.0 is slowing your clients down — and costing them.
Outdated annuities were built for yesterday’s interest rate environment — not today’s opportunities.
Right now, we’re in a unique window:
- Interest rates are still high – but may shift soon.
- Newer products are offering richer benefits.
- Market volatility has clients craving safety with upside.
Every month clients stay stuck in an outdated annuity, they’re likely losing income, flexibility, and critical benefits.
WHY “SET-IT-AND-FORGET-IT” IS OUTDATED
Annuities used to be “buy it and file it.” Those days are over.
Today’s financial landscape demands ongoing upgrades:
- Markets shift.
- Clients evolve.
- Product innovation accelerates.
What worked five or ten years ago could be dragging down your clients’ future income today.
Good advisors review. Smart advisors upgrade —if the math is in the clients’ favor.
REAL EXAMPLE: THE TIM & MAURA UPGRADE
- Two older variable annuities
- 3.5% fees
- $25K/year in single income
After the DMI audit:
- Modern FIA with joint lifetime income
- $37K/year guaranteed — $12K more annually
- Lower fees + stronger protection
Same clients. Same vision. A smarter, upgraded system.
ANNUITY REVIEWS = SYSTEM UPDATES
Here’s what a quick review with DMI can unlock:
- 🚫 Outdated performance and hidden inefficiencies
- 🔓 Improved income and protection benefits
- 🛡️ Shielding from future market risk
- 🎯 A better experience — for your clients and your business
Retirement isn’t static. Neither is the right strategy.
DMI MAKES ANNUITY UPGRADES SIMPLE
Wondering where to start? That’s easy.
We’ll help you
· Analyze the current annuity
- Identify inefficiencies or upgrade opportunities
- Run the math and show best-fit replacements
- Support you with client-ready materials and expert case design
About 40-50% of the annuities we review uncover clear, math-backed reasons to upgrade — and when they do, your clients get stronger income, lower costs, and better protection.
MEET YOUR ANNUITY UPGRADE TEAM
DMI’s annuity specialists are standing by to help you audit existing contracts, identify opportunities, and deliver smarter strategies — fast.
Choose the team member you’d like to connect with below. Each offers personalized support and a simple 15-minute call to review your book of business.
Not sure who to start with? Just contact Declan Donahue at 781.919.2337 or BOOK A MEETING with him.
Let’s upgrade your clients’ outdated annuities — and unlock stronger income, protection, and peace of mind.
Because in a world that updates overnight, staying stuck on Retirement 1.0 isn’t loyalty — it’s liability.
JOSHUA RHEM
VICE PRESIDENT – LIFE SALES
Joshua Rhem has over 15 years of experience in Insurance and Investment services, with experience as an RIA to financial institutions, an insurance producer, and wholesaler. Throughout his career Joshua has always been especially interested in making sure that insurance is viewed as a vital component of a well-constructed comprehensive financial plan. Understanding the obstacles that advisors face each day, Josh is eager to support them, and promptly responds to their needs. He enjoys helping advisors, brokers and agents grow their business with strategies to identify opportunities and helping to effectively position insurance products as meaningful solutions to their clients’ financial goals.
Or Call 781-919-2325
