BackNine's Annuity Market Highlights - October 2025

Every year through 2027, over 4.1 million Americans will turn 65—that’s more than 11,200 people every single day. And yet, too many of them are walking into retirement with a 20–30 year income problem.
 
The old way of planning—just piling up a lump sum and hoping it lasts—is broken. Employer pensions are disappearing, Social Security isn’t enough on its own, and personal savings are often underfunded. The famous “three-legged stool” of retirement security? One leg is wobbly, one is missing, and the last one is shaky at best.
 
The result: roughly half of all households are at risk of not maintaining their standard of living in retirement. That’s a massive opportunity for advisors who can show clients how to turn their assets into reliable, protected income for life.
 
Clients don’t want more products—they want protection, growth, and most importantly, paychecks they can count on. And that’s exactly where you, as a financial professional, come in. By focusing on income, not just accumulation, you can help close the protected income gap and give retirees what they really need: security, confidence, and peace of mind.
 
Let BackNine help you help your clients who are facing these challenges…

• Do your clients have cash on the sidelines in money markets, CDs, and savings accounts? Lock in tax-deferred interest of up to 6%
• Do you work with investors looking to take some risk out of their portfolios? Help with S&P 500 caps up to 13% and participation rates up to 75% with no market risk
• Do you know people within 10 years of retirement? Guarantee immediate lifetime income payouts as high as 7.81% at age 65, and guaranteed income growth while you wait!
   
  Would you like to see the top annuity products and sales ideas that are driving business? Click here to download BackNine’s monthly annuity market report!