ACLI Research Hub

ACLI Research is dedicated to creating and sourcing clear, high-quality research that helps shape industry policy and advocacy priorities. These publications, including reports, briefs, and guidebooks, are conducted by ACLI or other reputable researchers and uphold rigorous research standards.

Recently Published

Integrating Social Security, Taxes, and Life Annuities in Retirement Income Strategies

New research from AEI senior fellow Mark Warshawsky, PhD, and Gaobo Pang, PhD, finds that blending guaranteed lifetime income with invested assets can help retirees generate higher income while maintaining flexibility. Additionally, retirees are encouraged to delay Social Security to create an even larger inflation-protected income stream.
Published July 29, 2026

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Featured Research

Trusted insights from leading experts, organizations and partners.

Life Insurers and Housing: Investing, Insuring, Advancing

New research from ACLI shows how life insurers support housing access, market stability and economic growth across America, with mortgage holdings in over 80% of U.S. zip codes. Beyond our long-term investments, our products like life insurance are closely linked to homeownership. Altogether, the industry helps families achieve the security that a home provides.
– By ACLI ( study ) ( one-page summary )

Insurance Benefits and Government Spending

Research from ACLI explores how life insurer products reduce reliance on public programs. The findings indicate that the industry’s annuities alleviate more than $100 billion in Social Security expenditures over time as the greatest surge of Baby Boomers retire.
– By ACLI ( report ) ( one-page summary )

Evaluating Life Annuities in Retirement Strategies

A study reveals the optimal retirement strategy combines annuities with the 4% rule for lasting financial security. Additionally, retirees are encouraged to pair annuities with cash savings for a well-rounded plan.
– By Gaobo Pang and Mark Warshawsky ( study )

Retirement Income Institute: The Peak 65 Zone

The Peak 65 Zone is Here: Creating a Framework for America’s Retirement Security

– Jason Fichtner, Ph.D., Alliance for Lifetime Income ( research paper )

Survey of Retirement Savers

The Importance of Access to Financial Guidance to Moderate Income Savers

– Mathew Greenwald, Ph.D. ( survey )

Supplemental Benefits Survey

Supplemental Benefits Insurance Survey

– Morning Consult ( survey )

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The ACLI Research team, led by Chief Economist Andrew Melnyk, Ph.D., and supported by a talented group of economists and researchers, is at the forefront of driving critical insights on financial security. Their work spans a range of essential topics, including retirement strategies, economic resilience, and policy analysis. With a commitment to addressing the financial challenges facing families and small businesses, this dedicated team delivers impactful research that informs industry leadership and strengthens communities.

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