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Regulation

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Life insurers are highly regulated at the state level to ensure that Americans receive the benefits promised to them, no matter what. The state regulatory regime is dynamic and robust, continually evolving to meet consumer needs.

With strict guidelines in place, Americans are protected when accessing information about different choices for long-term financial security.

Life insurers are committed to protecting consumers across America, from providing financial protection to keeping personal information safe.

Featured Resources

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Protect Retirement
 

Data shows that annuities are indispensable for middle-income Americans, and a fiduciary-only regulation locks people out of the options they want and need.
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What Are Annuities?

Annuities are safe, reliable retirement products, providing critical lifetime income as Americans are living longer.
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Transferring Risk, Securing Retirement

Pension risk transfers are supported by a multi-layered safety mechanism, including robust regulation and reinsurance, ensuring long-term stability for retirees.
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Safeguarding Consumers’ Private Information

Life insurers are committed to keeping consumers’ personal information confidential. We’re advocating for a national solution regarding privacy in the industry.

Financial professionals speak out on access to financial security

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Helping Consumers Live Financially Secure Lives
Consumer Protection Access to Financial Help Video

Access to Financial Help
Consumer Protection Working with Savers Video

Working With Savers

Other Resources

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Access to Financial Options

2023 Survey
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ACLI on Safest Available Annuity

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Life Insurance Protections

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Consumer Privacy Principles

Document

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Life insurers guarantee the retirement income of seniors. Learn about the protections in place for people seeking #annuities: https://www.acli.com/about-the-industry/industry-products/annuities

Pension risk transfers bolster the competitiveness and strength of U.S. corporations and secure the financial futures for millions of Americans saving for retirement. Learn how: https://impact.acli.com/transferring-risk-securing-retirement/

Everyone deserves a financially secure future, and financial professionals across the country are working to ensure that for people who need it most. Listen to @NAIFA agents discuss how they are helping people build better lives: https://vimeo.com/821335586