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Alliance for Lifetime Income by LIMRA

2025 Protected Retirement Income and Planning Study (PRIP) Series

The 2025 Protected Retirement and Income Planning (PRIP) research is a study that examines the rapidly changing retirement planning landscape, behavioral shifts and attitudes towards retirement income and planning strategies.

GettyImages-1183998991-intro-480x320.jpgAmerica is in the middle of a historic demographic shift, which we call Peak 65, with more than 4.1 million Americans turning 65 each year through 2027. What used to be 10,000 over the past decade is now over 11,200 every day, and 2025 is the peak of Peak 65. A concerning trend is emerging as a significant portion of the Peak 65 generation lacks sufficient protected income, putting them at risk of outliving their savings.

PRIP Study: Chapter 1

Chapter one highlights critical insights on the state of retirement and retirement security. Financial market volatility, persistent inflation, and increased concerns about Social Security are having pronounced effects on attitudes and behaviors.

Explore Chapter 1

PRIP Study: Chapter 2

Chapter two focuses on the use of retirement savings to support family, even if it means jeopardizing retirement and economic well-being. Concerns around caregiving and healthcare costs play into the worries and doubts of many Americans, particularly Gen-Xers about readiness for retirement.

Explore Chapter 2

PRIP Study: Chapter 3

Chapter three focuses on existing gaps between Financial Professionals and their clients. While they both agree that the #1 retirement planning challenge is estimating healthcare costs, they disagree on whether they adequately discuss health-related issues. They are also far apart on income stream sources and the level confidence around their financial plans.

Explore the Findings

Related Research

Through the Advisor Lens: Alternative Investments in Defined Contribution Plan Executive Summary (partial infographic)

The inclusion of “alternative” asset classes in DC plan menus may soon be facilitated by an Executive Order and subsequent DOL action. Find out how DC Gatekeepers – advisors – feel about this potential; explore their opinions about how alts fit into DC strategies and where they feel this development is going.

DC Advisor Views: PEPs Update

Since 2021, a new construct has been available to employers who want to sponsor a workplace retirement savings program but may be reluctant to take on the role of an active plan sponsor: the Pooled Employer Plan (PEP).This research explores advisor assessment – and actions – relative to PEP plans and opportunities.

DC Advisor Views: Advisors and Alts — Exploring Advisor Reactions to Including Alternative Investments in DC Plans

The inclusion of “alternative” asset classes in DC plan menus may soon be facilitated by an executive order and subsequent Department of Labor (DOL) action. Find out how DC gatekeepers — advisors — feel about this potential; explore their opinions about how alts fit into DC strategies and where they feel this development is going.

The Growing Influence of Health Risks on Retirement Security

NEW research by Chris Heye, Fellow at the LIMRA Retirement Income Institute reveals that identifying and managing health-related financial risks is central to retirement planning. Audience: Financial Professionals, External

DC Advisor Views: Unpacking Advisor Profiles

Explore this supplement to LIMRA’s 2025 DC Advisor Views research, offering deeper analysis of advisor demographics and practices.

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