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Happy couple enjoying a secure retirement with a solid guaranteed income plan.
Happy couple enjoying a secure retirement with a solid guaranteed income plan.
Guaranteed income: A key to retirement security
Clients can feel more confident in the future they've worked hard for when a portion of retirement income is derived from guaranteed sources. Start a guaranteed income conversation with your clients and help them achieve the protection and security that's right for them.

An extra layer of protection to recognize plan gaps

Even those clients who are secure in their retirement strategy may not recognize all potential gaps in their plan. As their trusted financial professional, you can help ensure they have considered all the possibilities and are prepared for whatever the future may hold.
Graphic depicting 81% of people who believe their retirement is secure.
Retirement income confidence is high
81% of retirees are confident they have enough money to take care of basic expenses,¹ but things may not go as expected.
Graph illustrating that 53% retire early, leaving gaps in their retirement income plan.
An unexpected event can derail the plan
Though clients may feel confident today, a forced retirement in a down market can put an income plan at serious risk.²
Graphic depicting risks to retirement income discussed in this video.
Retirement income:  A look at the risks
You can help instill more confidence in your clients' retirement goals when they understand potential risks to their retirement income, like the effects of market volatility and increased longevity. Use this video to start the conversation. Need more help? Request additional resources below.

Help clients understand the risks

It's easy for clients to underestimate the impact that unexpected circumstances can have on retirement savings and the long-term viability of a retirement plan. Here's why:
Illustration showing that retiring early can leave a substantial gap in income.
A longer-than-expected lifespan
Living a few years longer than expected, at an average of nearly $50,000³ per year, can quickly deplete retirement savings.
Graphic depicting high cost of long-term health care for retirees
Additional health care expenses
A retiring couple can expect to spend $295,000⁴ out of pocket on health care in retirement, excluding any long-term care.
Graphic depicting how a market drop can affect retirement savings.
Retiring in a down market
The 2008 market downturn is estimated to have reduced account value from $500k to just under $260k, a 48% drop.⁵
Start the guaranteed income conversation with your clients
With custom letters and an insightful flyer, our toolkit makes it easy to connect with clients about the important role guaranteed income can play in their retirement plan.
Professional and client discussing guaranteed income in a retirement plan

Download our resources to put retirees on the path to income security

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We're here for you
Everyone deserves peace of mind when it comes to safeguarding what’s most important. We’re ready to help you deliver the protection and security your clients deserve. Reach out to us anytime for questions and support, and we’ll get in touch with you as soon as possible.

¹ 2020 Retirement Confidence Survey, Employee Benefits Research Institute

² LIMRA. Secure Retirement Institute. The Retirement Income Reference Book. 2019.

³ Bureau of Labor Statistics, Consumer Expenditure Survey. April 2019

⁴ What Will Healthcare in Retirement Cost You? The Motley Fool, August 2020.

⁵ Calculated by Protective Life using data from the S&P 500 Index Daily Returns.

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