As you prepare for retirement with confidence, we wanted to share key findings from Ernst & Young's newly released 2025 study, 'Holistic Planning: Integrating Insurance Products for Better Outcomes in Retirement'
The 2025 study by Ernst & Young on incorporating life insurance and guaranteed income strategies into a holistic financial plan expands on its 2021 study and further validates that holistic financial plans that include permanent life insurance and annuities with traditional investments produce better outcomes for clients than an investments-only approach. Holistic planning is more important than ever given the estimated future retirement savings gap. This study uses Indexed Universal Life (IUL) and Fixed Indexed Annuities (FIA) as the insurance product options rather than whole life and a deferred income annuities which was used in the 2021 report. However, the conclusion is the same. Learn more below and download both papers for further review:
Ernst & Young 2021 - Benefits of Integrating Insurance Products Into a Retirement Plan
