  We calculate the cross section for s-wave neutralino annihilation to
three-body final states below the W^+ W^- and t-bar t thresholds. Such
three-body channels may dominate the annihilation cross section if the
neutralino mass is not too much less than m_t and m_W respectively.
Furthermore, because neutrinos produced in these channels are much more
energetic than those from the $b\bar{b}$ or tau^+ tau^- channels, they can
dominate the energetic-neutrino fluxes from neutralino annihilation in the Sun
or Earth far below these thresholds and significantly enhance the neutrino
signal in certain regions of the supersymmetric parameter space.
