ACLI represents 353 life insurance companies operating in the United States. Our members help Americans accumulate, manage, and protect the assets they need for financial and retirement security by offering life insurance; annuities; long-term care; disability income insurance; reinsurance; and pensions, including 401(k), 403(b), 457 plans, and IRAs. ACLI members account for: 93 percent of the industry's total assets. 93 percent of life insurance premiums. 94 percent of annuity considerations.