{"id":14836,"date":"2025-10-09T12:21:15","date_gmt":"2025-10-09T17:21:15","guid":{"rendered":"https:\/\/www.figmarketing.com\/blog\/?p=14836"},"modified":"2025-10-09T12:21:16","modified_gmt":"2025-10-09T17:21:16","slug":"how-to-talk-protected-income-with-todays-retirees","status":"publish","type":"post","link":"https:\/\/www.figmarketing.com\/blog\/how-to-talk-protected-income-with-todays-retirees\/","title":{"rendered":"How to Talk Protected Income With Today\u2019s Retirees"},"content":{"rendered":"\n<p>Every day, more than 11,400 Americans turn 65, totaling over 4.1 million new retirees this year. We\u2019ve entered the heart of the <strong><a href=\"https:\/\/www.protectedincome.org\/peak65\/\" target=\"_blank\" rel=\"noreferrer noopener\">Peak 65\u00ae zone<\/a><\/strong>, where baby boomers are retiring at record levels.<br><br><strong>But here\u2019s the challenge:<\/strong><\/p>\n\n\n\n<ul>\n<li>2 out of 3 Boomers aren\u2019t financially prepared for retirement<\/li>\n\n\n\n<li>1 in 3 retirees admit they\u2019re spending savings faster than expected<\/li>\n\n\n\n<li>Many are worried about longevity risk, inflation, and market volatility<\/li>\n<\/ul>\n\n\n\n<p>This has created an urgent need for protected income strategies\u2014financial solutions that ensure retirees won\u2019t outlive their money. For financial professionals, it\u2019s an unprecedented opportunity to provide clarity and confidence.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Why Protected Income Matters in 2025 and Beyond<\/h2>\n\n\n\n<p>When you strip away the jargon, most clients aren\u2019t asking for \u201cannuities.\u201d They\u2019re asking for what annuities can provide: a reliable income stream for life.<br><br><strong>There are only three sources of truly protected income:<\/strong><br>#1: Social Security: But it replaces only about 40% of pre-retirement income on average.<br>#2: Pensions: Now available to only about 4% of private sector workers.<br>#3: Annuities: The most flexible tool left to fill the gap.<br><br>Nearly 50% of investors say they\u2019re extremely interested in owning an annuity, even if they don\u2019t always know the term itself. This means the conversation isn\u2019t about \u201cproducts\u201d\u2014it\u2019s about outcomes.<br><br><strong>Advisor tip:<\/strong> Lead with the benefit (\u201ca steady retirement paycheck\u201d) before introducing the solution (\u201can annuity\u201d).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Talk About Protected Income Without Losing Clients<\/h2>\n\n\n\n<p>Financial jargon can alienate retirees. Instead, use clear, relatable language that reframes the conversation:<\/p>\n\n\n\n<p><strong>Say This Instead of That | Why It Works<\/strong><\/p>\n\n\n\n<ul>\n<li><strong>Protected income<\/strong> instead of <em>guaranteed income<\/em> | Focuses on security, not legal fine print<\/li>\n\n\n\n<li><strong>Market ups and downs<\/strong> instead of <em>market volatility<\/em> | Feels conversational and approachable<\/li>\n\n\n\n<li><strong>Early withdrawal fee <\/strong>instead of <em>surrender charge<\/em> | Reduces fear of complex terms<\/li>\n\n\n\n<li><strong>Leaving a legacy<\/strong> instead of <em>death benefit<\/em> | Reframes in a positive, family-focused way<\/li>\n<\/ul>\n\n\n\n<p>Real-life comparisons\u2014like \u201ca steady paycheck you can\u2019t outlive\u201d\u2014make complex financial products more meaningful.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Related: <a href=\"https:\/\/www.figmarketing.com\/blog\/peak-65-is-here-3-tips-to-talk-protected-income-with-todays-retirees\/\" target=\"_blank\" rel=\"noreferrer noopener\">Peak 65\u00ae Is Here: 3 Tips to Talk Protected Income with Today\u2019s Retirees<\/a><\/strong><\/h4>\n\n\n\n<h4 class=\"wp-block-heading\">Start With What They Care About Most<\/h4>\n\n\n\n<p>64% of consumers say annuities are the most difficult product to understand because of how they\u2019re explained.<br><br>Instead of overwhelming clients with riders and features, start by uncovering their top priorities:<\/p>\n\n\n\n<ul>\n<li>Are they worried about outliving savings?<\/li>\n\n\n\n<li>Do they want to protect against inflation?<\/li>\n\n\n\n<li>Is long-term care or legacy planning a concern?<\/li>\n<\/ul>\n\n\n\n<p>The more you tailor your solution to their concerns, the more trust and buy-in you\u2019ll earn.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Questions Advisors Can Use to Spark Conversations<\/h4>\n\n\n\n<p>Here are some powerful, client-centered prompts:<\/p>\n\n\n\n<ul>\n<li><em>\u201cWould it give you peace of mind to know you\u2019ll always have a steady paycheck in retirement?\u201d<\/em><\/li>\n\n\n\n<li><em>\u201cIf we built a protected income strategy to supplement Social Security, would you feel more secure?\u201d<\/em><\/li>\n\n\n\n<li><em>\u201cWhen the market has ups and downs, how important is it to have part of your income protected?\u201d<\/em><\/li>\n<\/ul>\n\n\n\n<p>These open-ended questions shift the focus from \u201cselling a product\u201d to solving a problem clients already feel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Protected Income Takeaways for Financial Professionals<\/h2>\n\n\n\n<p>Protected income is no longer optional\u2014it\u2019s essential for today\u2019s retirees. As pensions fade and Social Security falls short, clients need advisors to help them create retirement strategies that provide both stability and confidence.<br><br><strong>Your next step? Build conversations around:<\/strong><\/p>\n\n\n\n<ul>\n<li>Simplifying complex terms into relatable benefits<\/li>\n\n\n\n<li>Leading with what matters most to clients<\/li>\n\n\n\n<li>Using annuities not as standalone products, but as part of a comprehensive retirement income plan<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/engage.figmarketing.com\/acton\/fs\/blocks\/showLandingPage\/a\/39120\/p\/p-0171\/t\/page\/fm\/0\" target=\"_blank\" rel=\"noreferrer noopener\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"201\" src=\"https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-1024x201.png\" alt=\"\" class=\"wp-image-14624\" srcset=\"https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-1024x201.png 1024w, https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-300x59.png 300w, https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-768x151.png 768w, https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-1536x301.png 1536w, https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-2048x402.png 2048w, https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-1920x377.png 1920w, https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-1170x230.png 1170w, https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2025\/06\/2025-ANN-Playbook-Ending-CTA-1-585x115.png 585w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/www.figmarketing.com\/#!\/Landing\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"250\" height=\"100\" src=\"https:\/\/www.figmarketing.com\/blog\/wp-content\/uploads\/2024\/03\/blog-fig-logo-250-100.png\" alt=\"\" class=\"wp-image-13664\"\/><\/a><\/figure><\/div>","protected":false},"excerpt":{"rendered":"<p>With 11,400 Americans turning 65 daily, advisors must master protected income strategies now.<\/p>\n","protected":false},"author":4,"featured_media":14865,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[362],"tags":[202,747,727,480],"acf":[],"_links":{"self":[{"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/posts\/14836"}],"collection":[{"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/comments?post=14836"}],"version-history":[{"count":7,"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/posts\/14836\/revisions"}],"predecessor-version":[{"id":14867,"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/posts\/14836\/revisions\/14867"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/media\/14865"}],"wp:attachment":[{"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/media?parent=14836"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/categories?post=14836"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.figmarketing.com\/blog\/wp-json\/wp\/v2\/tags?post=14836"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}