Workplace Retirement Plans

Overview

Life insurers are among the nation's leaders in providing retirement security to American workers through the products and services they provide to defined benefit and defined contribution plans. More than 20 percent of the assets in employer-based retirement plans are managed by life insurers. ACLI works with policy-makers to explore and develop creative public and private sector solutions to meet the retirement needs and expectations of the American public.

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Issue Brief: Lifetime Income Disclosure Act
Posted 1/20/2010. This issue brief outlines ACLI's support for the Lifetime Income Disclosure Act (S. 2832), which would amend ERISA to require plan sponsors to provide participants with information about how retirement account balances translate into guaranteed monthly income.

News Release: 'Lifetime Income Disclosure Act' Will Help Workers Prepare for Retirement
Posted 12/3/2009. Workers will be better able to put together the pieces of the retirement income security puzzle thanks to bipartisan legislation that was introduced today.

Fact Sheet: Employee Benefits: The Employer-Insurer Partnership for Financial Security
Posted 7/15/2009. The life insurance industry is the leading provider of products and services for employer-sponsored benefits packages, including products that protect against the risk of premature death, extended disability, long-term care, as well as retirement savings plans.

Fact Sheet: Group Annuities in 401(k) Plans
Posted 7/14/2009. This fact sheet describes group annuity contracts’ unique benefits and how these contracts are regulated. Group annuity contracts are one way life insurers provide investments and services to 401(k) and other plans.

Fact Sheet: Life Insurers and Retirement Savings Plans
Posted 3/9/2009. Fact sheet highlighting the products and services life insurers provide to employer-sponsored retirement plans.

Issue Brief: Life Insurers and Employers
Posted 2/3/2009. Issue brief explaining how life insurers and employers join together to provide working families with the tools they need not only to save for a secure retirement, but to manage life’s financial risks.

Issue Brief: Incentives for Annuitization from Employment-Based Retirement Plans
Posted 2/3/2009. Issue brief calling for incentives for plan participants to annuitize a portion of their savings and to encourage plan sponsors to offer annuity distribution options from plans. ACLI also calls for great flexibility for annuity payouts.

ACLI AARP Survey on Income Management
Posted 12/10/2007. Survey of retirees from ACLI and AARP examining strategies for making savings last in retirement and perceptions toward guaranteed income solutions.

Issue Brief: Improving Disclosure of 401(k) Plan Information
Posted 8/28/2007. Issue brief explaining ACLI's support of improving disclosure of 401(k) plan information and fees.

Issue Brief: Retiring in the 21st Century: Principles of Retirement and Financial Security
Posted 8/28/2007. Issue brief outlining ACLI’s principles of retirement and financial security, as Americans face the challenges of achieving lifetime security.

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