Yearly Review Ideas Please?

I've never really done this much before, but I've seen it mentioned here on the forum at times.

For those of you that do yearly reviews what does this look like for you:
- how do you approach your client?
- do you have your appointment setter call through them?
- send them cards?
- look to save money and/or increase coverage?

OR is this more of a "time-waster" when one can just stay busy running new leads?


Thanks for the input!!!

Source of insurance-forums.net