Retirement Income Research

Aligning Retirement Expectations with Financial Resources

Insured Retirement Institute (IRI) partners with American Equity on retirement readiness survey of retirees and near-retirees. 

How do current retirees and those preparing to retire in the next 15 years compare in terms of retirement readiness and confidence? In a study conducted by the Insured Retirement Institute (IRI) in partnership with American Equity, respondents revealed a contrast in lifetime income sources as well as preparedness for unexpected events, such as health care costs. 

The survey’s findings illustrate the financial resources retirees and near-retirees are looking for when retirement income planning, including openness to working with a financial professional and to products that offer guaranteed lifetime income, like annuities. 

The concept of an annuity resonates strongly with retirees and near-retirees. However, without more knowledge about product benefits, respondents indicated they would be less likely to purchase an annuity.


As the Financial Dignity Company, we believe in empowering future retirees with the products that can help meet their needs in retirement through the promise of guaranteed lifetime income that cannot be outlived.

Download the full “Aligning Retirement Expectations with Financial Resources” study. 



These findings are based on responses to an online survey conducted in November 2021. Survey responses came from 2,004 Americans, half of whom are workers who are 15 or fewer years from planned retirement age, and half of whom have been retired for at least five years. All survey respondents have at least $100,000 in retirement savings, not including the value of real estate. 

This material is for informational purposes only, and is not a recommendation to buy, sell, hold or rollover any asset. It does not take into account the specific financial circumstances, investment objectives, risk tolerance, or need of any specific person.  In providing this information American Equity Investment Life Insurance Company is not acting as your fiduciary as defined by the Department of Labor. American Equity does not offer legal, investment or tax advice or make recommendations regarding insurance or investment products. Please consult a qualified professional.
Guarantees are based on the financial strength and claims paying ability of American Equity and are not guaranteed by any bank or insured by the FDIC.