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Retirement
Guide your clients toward guaranteed retirement income
Help your clients develop a consistent, structured income stream to address gaps in retirement savings
America is entering a historic surge, with more than 4.1 million Americans turning 65 each year through 2027. That’s more than 11,400 each day. A significant portion of the Peak 65® generation lacks sufficient protected retirement income, putting them at risk of outliving their savings.1
Source: Alliance for Lifetime Income
Resources and client conversation starters for secure retirement planning
Address your clients’ retirement planning concerns, including the need for protected income and identifying Social Security and Medicare gaps.
According to Alliance for Lifetime Income, annuities are one of the few financial products that can provide guaranteed income throughout retirement, making them a crucial element in protecting against the risks of outliving one’s savings.3
* Based exclusively on total sales figures up to the end of 2024. This ranking does not consider investment performance, product quality, or other factors. Source: Secure Retirement Institute U.S. Individual Annuities Sales Survey, 2025.
** LIMRA, Not-for-Profit Survey, Q1 2024 Results, based on 403(b) plan participants and contributions. Survey results include Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America issued plans.
***All guarantees provided by variable annuities are subject to the claims paying ability of the issuing life insurance carrier. Regarding partial downside protection, there is a risk of a substantial loss of principal and previously credited interest because the contract holder agrees to absorb all losses to the extent they exceed the downside protection provided.
97% of Peak65ers recognize the value of having protected retirement income alongside Social Security.3
Overall financial wellness has decreased by 11% since 2022.5
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Frequently asked questions
Help clients consider guaranteed lifetime income products, like annuities, for their portfolios to help reduce volatility and help clients feel secure about spending in retirement.
Clients with protected lifetime income tend to have higher withdrawal rates from their portfolios, which supports more confident and efficient retirement spending.2
Use Equitable’s tools and resources to match client needs with products that may align with their stage of life, risk tolerance and financial goals. Have a client seeking a 403(b), 401(k), 457(b) or a 401(a) plan? Review the flexible retirement plan strategies for employers and employees.
Tools
Resources
1: “The Peak 65® Zone is Here – Creating a new Framework for America’s Retirement Security,” January 2024.
2: “Retirees Spend Lifetime Income, Not Savings” — ALI's Retirement Income Institute.
3: ALI Cannex Protected Retirement Income and Planning (PRIP) Consumer Report, 2024.
4: “Do you have a plan to cover healthcare expenses in retirement?” — Alliance for Lifetime Income.
5: LIMRA Financial Wellness Index®, 2024.
With regard to variable annuities, clients should carefully consider their investment objectives and the charges, risks and expenses, as stipulated in the prospectus, before investing. For a prospectus containing this and other information, a financial professional can call the Sales Desk at (888) 517-9900. Please have clients read it carefully before investing or sending money.
A variable annuity is a long-term financial product designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump-sum amount at a later date. There are fees and charges associated with a variable annuity contract, which include, but are not limited to, operations charges, sales and withdrawal charges, administrative fees, and additional charges for optional benefits. Withdrawals are subject to ordinary income tax treatment and, if taken prior to age 59½, may be subject to an additional 10% federal income tax penalty. Variable annuities are subject to investment risks, including the possible loss of principal invested.
Guarantees are based on the claims-paying ability of the issuing life insurance company. If clients are purchasing an annuity contract to fund an IRA or employer-sponsored retirement plan, they should understand that such annuities do not provide tax deferral benefits beyond those already provided by the Internal Revenue Code.
Variable annuities and life insurance are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY) and, depending on the particular contract and its distributor, by Equitable Financial Life Insurance of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC. Co-distributed by affiliates Equitable Distributors, LLC and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).
Equitable Financial, Equitable America and their affiliates do not provide tax or legal advice or services. Clients should consult with their own professional tax and legal advisors regarding their particular circumstances. “Equitable” refers here to Equitable Financial and to Equitable Financial America, issuers of variable annuity products. Overall, Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial, Equitable America and Equitable Distributors, LLC. The obligations of Equitable Financial Life Insurance Company and Equitable Financial Life Insurance Company of America are backed solely by their own claims-paying abilities.
GE-6198778.2 (05/2025) (Exp. 05/2029)