Americans to Protect Family Security

marzo 27, 2014 · Imprimir este artículo

Secure Family

Americans to Protect Family Security is a partnership of America’s life insurance companies, agents, and financial advisors that is dedicated to educating policymakers about the role our products play in the financial lives of 75 million American families.

These families turn to life insurance companies and trusted agents and advisors to protect their financial futures with life insurance, annuities, long-term care, and disability income insurance.

The Coalition includes the American Council of Life Insurers (ACLI), Association for Advanced Life Underwriting (AALU), GAMA International, Insured Retirement Institute (IRI), National Association for Fixed Annuities (NAFA), National Association of Independent Life Brokerage Agencies (NAILBA), and National Association of Insurance and Financial Advisors (NAIFA). Our goal is to highlight facts about our products and their importance to the financial and retirement security of American families.

To view personal stories about how life insurers’ products help families, businesses, and individuals, visit the LIFE Foundation at

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Families and businesses alike need financial stability and count on Life Insurers’ products for peace of mind, long-term savings, retirement planning, and guaranteed lifetime income.

Life insurance companies, agents, and financial advisors proudly serve 75 million American families as they prepare for a secure financial future. Life insurers’ products also provide stability and certainty to employers of all sizes—fueling economic growth.

75 million American families depend on life insurers’ products to protect their financial and retirement security.

Almost 20 percent of Americans’ long-term savings is in life insurance and annuities.

Life insurers pay out $1.5 billion to families and businesses every day.

The life insurance industry generates approximately 2.5 million jobs in the U.S.

Life insurers invest $5.2 trillion in the U.S. economy – 90 percent of the industry’s total assets.

Life insurers are the largest single source of bond financing for American business, holding 17 percent of all U.S. corporate bonds.

Life Insurance – Products and Benefits American Families Count On

Whether protection against the financial risk of the sudden death of a loved one, outliving savings in retirement, lost income due to disability, or paying for long-term care, life insurance companies provide 75 million American families with financial protection and retirement security products.

In 2010, life insurance companies provided over $557 billion in payments, helping families guarantee their financial security – both now and in retirement.

Click on the tabs above or download our Life Insurance: Providing Financial Protection brochure (PDF) to learn more about the different products and benefits life insurers provide families every day.

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Today, 75 million American families wisely use the savings incentive in retirement annuities and life insurance to ensure their families’ long-term financial security. Annuities help families establish solid financial plans for retirement by providing guaranteed income for life.

Americans are living longer than ever – many 20 to 30 years after retirement – and every year fewer are covered by traditional pensions that provide lifetime benefits. Managing and maximizing retirement savings can be a daunting task and annuities can alleviate financial uncertainty by providing steady cash flow to cover retirees’ day-to-day financial needs.

In these tumultuous financial times, encouraging Americans to make solid financial plans for retirement is more crucial than ever. Responsible retirement planning that includes retirement annuities gives retirees and their families’ peace of mind in the knowledge that their financial security is protected and that they can count on steady income for life.

Download our Annuities: Creating Guaranteed Income for Life (PDF) brochure to learn more.

Facts and Figures:

The only way to create a guaranteed lifetime income stream in retirement is through an annuity.

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A 2011 survey shows that only 13 percent of American workers are very confident that they will have enough money to live comfortably throughout their retirement years, down from 27 percent in 2007.

20 percent of Americans’ long-term savings – one in every five dollars saved – are in annuities and permanent life insurance. In 2012, American families received $70 billion in annuity payments.

A survey by the Committee of Annuity Insurers shows that 79 percent of annuity owners say that annuities are a safe and secure way to save for retirement and that annuities make them feel secure in times of financial uncertainty.

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Retirement Savings Plans

American families rely on retirement savings plans – like 401(k)s and IRAs – to help them save for retirement and to ensure their families’ financial futures are secure.

Life insurance companies offer these retirement savings plans to employers and they are typically funded with contributions made by both employers and employees. These plans reward responsible saving with a special tax status that allows the funds to grow tax-free until they are withdrawn in retirement. Financial penalties for early withdrawal of funds before retirement ensures those savings are held for when they are most needed.

In search of revenue for the government, policymakers may curb the amount of tax-deferred funds that can be put into retirement plans. In doing this, the government would discourage American families from taking responsibility for their financial futures. Policymakers should be focused on ensuring our laws encourage a competitive marketplace of retirement plan products and, most importantly, support and reward financial responsibility.

For more information about retirement savings, visit the Coalition to Protect Retirement at

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Join Americans to Protect Family Security—a coalition of companies, agents, and advisors—to show your support for the life insurance industry that helps protect the long-term financial security of American families, businesses, and the economy.

The current tax treatment of permanent life insurance encourages

individuals, families, and businesses to efficiently manage risk and

prepare for long-term financial needs, despite a general environment

that focuses more on the short-term. Americans are facing greater

hurdles than ever before when planning for financial security. Any

changes to public policy must encourage Americans to plan for their

financial futures.

Secure Family: Peace of Mind

“Ninguna otra inversión financiera puede hacer lo que hacen las compañías de seguro de vida. Ninguna otra industria respalda sus productos con reservas tan saneadas como las de la industria del seguro de vida. Un ejemplo concreto es el de la Gran Depresión de 1929: cuando la Bolsa de New York tocó fondo y muchos bancos quebraron, las compañías de seguros pudieron dar a sus asegurados una seguridad que no pudieron encontrar en otro lugar. Otras industrias quebraron, se perdieron fortunas de un día para el otro, se evaporó el ingreso de las propiedades y los bienes raíces. Pero no se conoció ninguna pérdida por el fracaso de alguna compañía de seguros de vida. Ningún asegurado perdió un centavo. El récord de fuerza y seguridad de las compañías de seguros de vida, aún bajo las condiciones más adversas, es un emblema de orgullo en la industria del seguro. Ninguna inversión u otro tipo de negocio, ha tenido un récord de seguridad superior al del seguro de vida” Life Underwriter Training Council


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