b'Retirement Security:Finding SolutionsAs Americans live longer, sustaining financial security through retirement has become a major challenge.Today, a typical 65-year old can expect to spend 20, 30, or more years in retirement. That, coupled with a decline in employer pension plans, a growing gig economy and, for many, insufficient savings, has led to a retirement security gap. Our member companies are leading providers of retirement solutions including annuities, the only financial product guaranteeing lifetime income for Americans. Were raising our game to drive policy solutions to help more individuals plan for long and happy retirements.6 ACLI2019 ANNUAL REVIEW'