FREE GUIDE FOR OHIO RETIREES
Is Your CD Working As Hard As It Could Be?
Before you renew at the same bank, read this short guide. Many savers are surprised by what’s available — with the same safety they already depend on.
FREE GUIDE - INSTANT DOWNLOAD
Before You Renew Your CD
Read this first: a short guide for those who want safety, better interest, and their money to work harder.
Your information is private and will never be sold or shared
CDs feel safe. But are they still the right fit?
For years, certificates of deposit were a smart, simple choice. Put your money away, earn a guaranteed rate, sleep well at night.
But for many retirees today, the picture has quietly changed:
- Rates at renewal are often lower than when you first opened the CD
- The interest you earn is taxed every year — reducing your real return
- You have to keep shopping around just to maintain your rate
- If inflation rises, your purchasing power quietly shrinks
- Once the term ends, the bank sets the new rate — not you
None of this means CDs are bad. It means they deserve a second look — especially when there are alternatives that offer the same safety, often with better terms.
There’s an insurance-based option many Ohio retirees don’t know about. It’s not the stock market. It’s not complicated. And it protects your principal just like a CD does.
Here’s what it can offer that a typical CD doesn’t:
- Tax-deferred growth — your interest compounds without annual tax drag
- Longer rate guarantees — lock in your rate for multiple years, not just 12 months
- Competitive interest rates for almost every term
- Access to a portion of your money each year — without penalty
- Options to create a guaranteed income stream you can't outlive
- Less time shopping around every time your CD comes due
The free guide explains exactly how this works — in plain English, no jargon. It takes about 5 minutes to read.
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About Scott Lunsford
Scott Lunsford is a licensed insurance professional based in Chillicothe, Ohio, where he has helped retirees and pre-retirees protect their savings and create dependable income for over two decades.
His approach is simple: listen first, explain clearly, and only recommend what genuinely fits your situation. No pressure, no jargon.
Trusted By Families Across Ohio
· Local office in Chillicothe · Licensed & independent · No-pressure consultations
Guarantees are backed by the claims-paying ability of the issuing insurance company. Products discussed may include annuities or other insurance-based solutions and may involve fees, surrender charges, and conditions. This material is for informational purposes only and is not intended as financial, tax, or legal advice. Please consult with a licensed professional regarding your individual situation.
Important Information:
Annuities may be subject to surrender charges or early withdrawal penalties. Minimum investment amounts may apply. Fees and terms vary by product. There are no fees to open or maintain an annuity in many cases.
Scott Lunsford | Ohio Licensed Insurance Agent #1525 | NPN #2443798
69 W 2nd St #104, Chillicothe, OH 45601