Family Financial Protection

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America’s working and middle class keeps getting squeezed. From the high cost of living to financial market conditions, today's uncertain environment has piled additional burdens on everyday Americans.

As public policymakers seek solutions that provide greater financial certainty for families nationwide, life insurers are focused on efforts to close protection gaps and strengthen the financial security of middle-income Americans.

Featured Resources

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Cost Pressures for Middle-Class Households
 

The ACLI Financial Resilience Survey, conducted by The Harris Poll, indicates that daily essentials are the top cost pressure for middle-class households, with 38% reporting they are most concerned about sustainably affording expenses like groceries and electricity over the next year.

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Closing Life Insurance Coverage Gaps
 

America’s life insurers help families and businesses in good times and bad. We're committed to closing coverage gaps, so that more families can experience the protection that comes with life insurance coverage.


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Narrow the Gaps

A report by Global Federation of Insurance Associations makes policy recommendations to address the trillion-dollar protection gaps around the globe in pensions, cyber, health and natural catastrophes.
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Paid Leave for All Takes All of Us
 

Nearly 62 million Americans benefit from employer-based paid leave. But that’s not enough. We're seeking to build a public-private partnership to protect every American from economic loss when taking time off from work to care for themselves or a loved one.
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Supplemental Benefits: Completing Life’s Puzzle
 

Supplemental products from life insurers can serve as a critical financial lifeline for families by providing cash that helps people protect their household budgets.
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Expanding Access to Retirement Savings
 

ACLI supports public policies that create more opportunities for all Americans to save for a secure financial future.

Other Resources

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The Importance of Workplace Benefits

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Engaging Middle-Income Americans

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Long-Term Care Insurance

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What Matters

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Let's Get Social

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American families count on life insurers' products for protection, long-term savings, and a guarantee of lifetime income when it's time to retire. See how we provide financial security and certainty across the United States: https://www.acli.com/topics-in-focus/family-financial-protection

#DYK? More than 97 million workers are insured through employer-provided #LifeInsurance. Learn the importance of ensuring all workers have access to these benefits to secure their financial future: https://bit.ly/454Bnr3

Too many people are forced to choose between caring for a loved one and earning a paycheck. Learn how a public-private partnership could build on the current, successful #PaidLeave system and help more Americans protect their family’s financial future: https://paidleave.life/