This gap represents more than 100 million uninsured or underinsured individuals, presenting an immense opportunity. Latent demand could expand the market by 3x–5x, unlocking up to $51B in additional annual premium equivalent.
LIMRA.com and LOMA.org will be off-line for scheduled maintenance February 21, 2026 from 6 - 10 a.m. ET.
Revitalizing Industry Growth Series
Empowering Decisions and Strengthening Connections
The life insurance industry is at a critical inflection point. Despite strong consumer interest, growth is stagnant as accessibility, perceived affordability, and lack of trust have created a widening protection gap, now affecting 42% of U.S. adults.