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Retirement Security

 

There’s no one-size-fits-all approach to retirement, and no single path to get there. Americans are living longer and financial security through retirement is a big challenge for many.

Older workers who start saving late may find it hard to catch up. And changes to the way we work, sparked by the gig economy, mean more workers have less access to employer-sponsored contribution plans. As the way we live and work continues to change, the ways we help people save for retirement need to change too.

America’s life insurers are working with the U.S. Congress to pass modern retirement security legislation – dubbed SECURE 2.0 – to increase availability, accessibility, and affordability of retirement security products for all.


Featured Resources


SECURE 2.0 Retirement Plan 

Improving Retirement Security for all Americans

Americans face significant financial security challenges, including limited short- and long-term savings, and the struggles are even greater for vulnerable and at-risk populations.

What Is SECURE 2.0? 

What is SECURE 2.0?

Comprehensive retirement proposals, composed of three pieces of legislation, that would expand retirement savings opportunities.

SECURE 2.0 Data Infographic 

SECURE 2.0 Will Create Billions in New Savings

See the real dollar impact of SECURE 2.0 provisions for those who need it most, according to ACLI Analysis of the Joint Committee on Taxation’s revenue estimate.

Retirement Security Myths vs Facts 

Real-World Benefits of Retirement Legislation

The SECURE 2.0 Coalition developed a document that dispels misconceptions about the proposals’ provisions.

ACLI Kitchen Table Conversation Series

Protecting Every Future hosts important conversations on retirement security and savings with thought leaders and policymakers, including Chairman Richard Neal and Ranking Member Kevin Brady. Sign up to watch future conversations.



Other Resources


One-Pager

EXPANDING RETIREMENT SAVINGS & SECURITY

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Briefing Kit

RETIREMENT SECURITY ADVOCACY BRIEFING KIT

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Statement

RETIREMENT SECURITY: BUILDING A BETTER FUTURE

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GET SOCIAL

SPREAD THE WORD ON RETIREMENT SECURITY


More than 25 states have adopted a rule or law that protects consumers and expands access to lifetime income tools like #annuities. Explore how the #BestInterest standard ensures all savers can access #RetirementSecurity: https://consumerprotection.life/

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SECURE 2.0 would make it easier for all Americans to achieve a secure retirement. Learn how public policy would incentivize #RetirementSavings among vulnerable and at-risk populations: https://www.acli.com/advocacy/retirement-security


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During tough economic times, it's crucial that moderate-income savers can work with financial professionals to ensure they are on the path to financial security through #retirement. Read more: https://www.acli.com/posting/nr22-018


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The average life expectancy in the United States has increased substantially. Today, a typical 65-year-old can expect to spend 20 or more years in #retirement. Learn how life insurers’ products help people retire with peace of mind: http://ow.ly/2qvy50C66hZ

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#DYK? Only 39% of part-time workers have access to workplace retirement plans. SECURE 2.0 would help more Americans achieve #RetirementSecurity by decreasing the work requirement for part-time workers to two consecutive years for 401(k) plans.

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