Help Your Medicare Clients and Double Your Commissions with “Dusty Money

Money in jars

August 28, 2025
Published by: Christy Downs

As an insurance professional, you have a unique opportunity to provide even greater value to your Medicare clients. While you’re helping them with their final expense and Medicare supplement plans, what if you could also help them with a common problem they might not even realize they have?

The reality is, many seniors have what we call “dusty money”—cash sitting in low-yield bank or brokerage money market accounts and CDs that just isn’t working hard enough for them. With today's competitive interest rates, there's a simple, straightforward way to help these clients move that money into a product that can provide significantly higher returns.

The key is to simply ask the right question: “Are you completely satisfied with the interest you’re earning on the money in your savings, money market, or CD accounts? If not, would you be open to hearing about a simple opportunity to earn a much higher rate?” You might be surprised to find that many of your clients are earning as little as 4% or less, while better options are available in the marketplace.

Enter RevolOne and the Power of Annuities

During a recent Coffee with Closers, Ira Gottshall and Ed Ledford with FFP Insurance Services brought on a team from RevolOne to talk about their innovative annuity products. RevolOne offers solutions that are easy for both you and your clients to understand, without a bunch of complicated fees or confusing rules.

Here are a few ways to help your clients leverage their "dusty money":

  • The Endura 6 Fixed Indexed Annuity: This product is ideal for clients looking for stability and growth. It offers a guaranteed cap of 8.75% on the S&P 500 for the full six-year contract duration. Unlike many other annuities that can change their rates annually, this product provides a consistent, guaranteed opportunity for growth.
  • The 16% No-Fee Bonus Product: For a client who wants an immediate boost to their nest egg, this product offers an impressive 16% bonus on day one. This can be a game-changer for those who have experienced recent market losses or simply want to jumpstart their savings. And the best part? There are no fees to get this bonus.

A Win-Win-Win Situation

By talking to your clients about their low-interest accounts, you create a win-win-win.

  1. For Your Client: They move their cash from a low-performing account to a product with a competitive, and in some cases, guaranteed return, helping them better secure their financial future.
  2. For You: You get the satisfaction of providing a truly valuable service. And, as Ed Ledford points out, the commission on an annuity sale can be significantly higher than a Medicare supplement or final expense sale, potentially doubling your earnings with minimal extra effort.
  3. For Your Business: You deepen your relationship with your clients, establishing yourself as a comprehensive resource for their financial needs.

Helping your clients with their "dusty money" is one of the most natural ways to expand your practice. It's an easy conversation that can lead to a great result for both you and your clients. If you haven't yet gotten contracted with a carrier that offers these types of products, RevolOne promises same-day contracting to get you started on the right foot.

Important Disclosure: This article is for informational purposes only and does not constitute financial or tax advice. You should always consult with a qualified financial professional or tax advisor to determine what products and strategies are suitable for your individual circumstances. Neither FFP Insurance Services nor RevolOne, nor their representatives, provide tax or legal advice.