08.08.25
Annuity Industry Looks to Innovation, Product Design To Spur Growth
by: Doug Bailey
The 2025 Goldman Sachs Asset Management Annuity Industry Survey shows insurers adapting to economic volatility with innovation in products, distribution and technology. Registered index-linked annuities (RILAs) remain dominant but in-plan annuities integrated into retirement plans are emerging as a top priority. Traditional variable annuities with lifetime income riders and defined outcome strategies are regaining traction. Insurers are shifting allocations toward global equities, private credit and private equity, with AI expected to transform education, distribution and adoption. RIAs are seen as a major growth channel. Clients’ top demand remains guaranteed lifetime income, driving product design and embedded retirement solutions.
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