01
The demand: What clients want from retirement planning beyond the financial guarantees every carrier offers
02
The shift: How those priorities shift across the decades life and annuity carriers already serve
03
The opportunity: Where the opening lies to differentiate in an increasingly commoditized market
42%
more people fear losing their health than their savings
68%
chose aging-well support over the benefits carriers commonly offer today.
57% → 24%
The fear of running out of money falls sharply with age, as health fears climb.
83%
want an advisor who understands the life they want, not just the financial targets.
Inside the full report: the decade-by-decade shift, where distribution is already ahead of the product shelf, and what it means for product design.
