This gap represents more than 100 million uninsured or underinsured individuals, presenting an immense opportunity.
How can life insurance carriers unlock this opportunity?
LIMRA.com and LOMA.org will be off-line for scheduled maintenance February 21, 2026 from 6 - 10 a.m. ET.
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.
Explore key opportunities for carriers to unlock growth.
This gap represents more than 100 million uninsured or underinsured individuals, presenting an immense opportunity.
How can life insurance carriers unlock this opportunity?
Strategic alignment between marketing and distribution unlocks growth. By timing outreach, simplifying messaging, and building trust, carriers can innovate faster and reach underserved market segments.
View the Four Actions
Bridging the life insurance gap starts with strategic alignment between marketing and distribution alignment – a key to closing the gap and accelerating growth.
Explore Keys to Unlocking Growth
Dive deeper into how aligning marketing and distribution can bridge the life insurance coverage gap and boost industry growth.
Access the Full ReportAligning marketing and distribution can drive growth, protect more families, and close the coverage gap. See how perfect alignment leads to success.
On-Demand Webinar — Each year, more than 100 million U.S. adults say they need life insurance yet year after year few actually buy coverage.
To unlock growth with the next generation, life insurers must move beyond traditional approaches and fundamentally reimagine how insurance is designed, delivered, and experienced.
Explore key insights that focus on the opportunities to educate consumers on the benefits and strengths of life insurance, and where and how they seek information when they want to learn about it.
Annuity sales have nearly doubled in 5 years. What fueled this surge, and will those same forces keep driving growth?
In an age of AI tools and digital self-service, consumers still overwhelmingly turn to financial professionals for trusted, personalized guidance — especially when life insurance decisions get complex.
The first week of the government shutdown saw no surge in Americans' economic anxiety.
A 42 percent protection gap in life insurance reveals a $51 billion growth opportunity. Discover how carriers can unlock this opportunity.