b'The SECURE ActIncreasing Access to Retirement Savings In a big move to modernize Americas retirement system, sweeping retirement security legislation was enacted in 2019.Aptly named the SECURE Actor Setting Every Community Up for Retirement Enhancementone provision alone will help get more than 700,000 small business employees saving for retirement through work by letting small employers band together for economies of scale.Another will make it easier for employers to offer retirement plans with lifetime income options through annuities.The law prevents as many as 4 million people in private-sector pension plans from losing future benefits. It lets part-time and older workers and retirees to contribute more to their IRAs. It protects defined contribution plans at 1,400 religiously affiliated organizations. And it fixed inadvertent increases in the taxes Gold Star families pay on survivor benefits.In passing SECURE, Members of Congress demonstrated bipartisan leadership aimed at the retirement savings gap.Our industry built momentum for more good public policy to help new generations of retirement savers.8 ACLI2019 ANNUAL REVIEW'