Publications and Resources
The Retirement Enhancement and Savings Act (RESA)
(September 2018) In September 2016, the Senate Finance Committee unanimously passed the Retirement Enhancement and Savings Act (RESA). ACLI supports this bipartisan effort to enhance retirement savings. In September 2018, the House Ways and Means Committee passed The Family Savings Act of 2018 (H.R. 6757), which contained some, but not all, RESA provisions. ACLI urges the House to include RESA in a final retirement package this year.
ACLI Statement: Financial Literacy: The Starting Point for a Secure Retirement
(August 2018) ACLI submitted a statement for the record regarding financial literacy and potential improvements to the retirement system in the United States to the U.S. Senate Committee on Health, Education, Labor & Pensions Subcommittee on Primary Health and Retirement Security. Download the full statement (PDF).
National Retirement Planning Week (NRPW)
(April 2018) National Retirement Planning Week is April 9-13, 2018. Life insurers are leading providers of retirement solutions, including 401(k)s, 403(b)s, 457s, IRAs, and annuities, managing 18 percent of all defined contribution plan assets and 14 percent of all IRA assets. More than 16 percent of Americans' long-term savings is in permanent life insurance and retirement annuities.
Assessing Americans' Financial and Retirement Security
(September 2017) Assessing Americans' Financial and Retirement Security is a comprehensive analysis by ACLI that presents a high-level snapshot of Americans' current state of financial and retirement security. Learn more here.
NERA Study Released on DOL Retirement Regulation
(March 2015) On March 16, SIFMA released a new study entitled,
Review of the White House Report Titled 'The Effects of Conflicted Investment Advice on Retirement Savings,' from the National Economic Research Associates (NERA). The study identifies flaws in figures cited in the White House’s Council of Economic Advisors Report and frequently reiterated by supporters of a proposed retirement regulation from the Department of Labor. Download the full study. (PDF)
Variable Annuities: Consumer Information
(February 2015) A variable annuity is a unique retirement product offered by life insurers that helps people grow their savings tax-deferred and offers a guaranteed stream of lifetime income in retirement. Learn more from
ACLI's downloadable PDFs.
ACLI Testimony for Hearing on Maintaining the Disability Insurance Trust Fund's Solvency
(February 2015) ACLI submitted testimony on February 25 to the House Ways and Means Social Security Subcommittee for their
Maintaining the SSDI Trust Fund’s Solvency hearing. Download the full testimony. (PDF)
Federal Solutions to Retirement Security
(February 2015) The U.S. private retirement system is strong and provides savings options for millions of Americans. Common-sense improvements can strengthen our private retirement system. Learn more from
ACLI's fact sheet (PDF).
Think Tank: Better Financial Security in Retirement? Realizing the Promise of Longevity Annuities
(November 2014) The Brookings Institution highlights how recent trends in the retirement landscape have precipitated a need for products that offer protection against longevity risk. Download the complete report (PDF).
GAO Report Shows Small Businesses Helping Growth of Defined Contribution Plans
(April 2014) The Government Accountability Office (GAO) released a report (PDF) demonstrating that small employers have had a significant role in the growth of defined contribution plans. According to the GAO, more than 90 percent of retirement plans that have been formed in recent years have been defined contribution plans, with the overwhelming majority of those plans set up by small employers.
Report: Building Retirement Security Through Defined Contribution Plans
(February 2014) Professors Jeffrey R. Brown and Scott J. Weisbenner, University of Illinois at Urbana-Champaign, discuss in a new report why employer-sponsored defined contribution (DC) plans and individual retirement accounts (IRAs) are such an important part of the U.S. retirement system. Download the complete report (PDF).