Ernst & Young’s recent study does a great job showing how integrating life insurance and annuities into retirement plans can improve both income and legacy outcomes—backed by strong modeling and real-world case studies.
View the full report here: EY 2025 Report – Insurance in Retirement Planning
A few key takeaways:
- Integrated portfolios (IUL + FIA + investments) generated up to 14% more retirement income and 11% higher legacy values than investment-only strategies
- Insurance helped reduce failure rates by nearly 50% when modeling Social Security benefit cuts
- The tax efficiency and downside protection from IUL and FIA made plans more resilient across market cycles
This report could be a powerful tool for you to start deeper planning conversations with your clients. You can use it to:
- Differentiate yourself from investment-only planners
- Educate clients on how insurance adds efficiency and stability to their retirement strategy
- Reframe life insurance and annuities as strategic planning tools—not just protection products
If you have any questions about these subjects, need help building out client-specific illustrations, or want to talk through how to apply this in your practice, don’t hesitate to give us a call at (402) 330-8700!
