Social Security Insurance

Social Security Insurance Market Outlook

The global Social Security Insurance market is projected to reach approximately USD 1.5 trillion by 2035, growing at a compound annual growth rate (CAGR) of about 7.8% during the forecast period of 2025 to 2035. This significant growth is largely driven by the increasing aging population, particularly the baby boomer generation, which has led to a heightened demand for retirement benefits and related social security services. Furthermore, the rise in life expectancy and the increasing prevalence of disabilities are substantial contributors to the market expansion. Government initiatives designed to enhance financial security among the populace are also poised to stimulate market growth, as policymakers work to adapt social security frameworks to modern economic challenges. Additionally, technological advancements in the way social security services are delivered, including the use of online platforms and digital financial advisory services, are expected to broaden access and improve service efficiency within the sector.

Growth Factor of the Market

The growth of the Social Security Insurance market can be attributed to several key factors. Firstly, the aging population is a critical issue as societies worldwide grapple with an unprecedented number of retirees. This demographic shift places enormous pressure on social security systems to provide adequate financial support. Secondly, the increasing incidence of disabilities, whether due to health issues or workplace accidents, necessitates a robust social security system to ensure that affected individuals receive the benefits they rightfully deserve. Thirdly, the rising awareness of the importance of financial planning for future contingencies encourages individuals to seek out social security benefits. Furthermore, government reforms aimed at bolstering social safety nets are enhancing the security net provided to the public, encouraging greater participation in social security programs. Lastly, advancements in technology that facilitate easier access to information and application processes contribute to increased enrollment and utilization of social security benefits.

Key Highlights of the Market

• The global Social Security Insurance market is projected to grow at a CAGR of 7.8% between 2025 and 2035.
• A significant increase in the aging population is expected to contribute to a higher demand for retirement benefits.
• Government initiatives aimed at improving social security frameworks will boost market accessibility and efficacy.
• The prevalence of disabilities has risen, which increases the requirement for disability benefits.
• Technological innovations are streamlining application processes, enhancing overall service delivery.

By End User

Retirees:

Retirees form a substantial segment of the Social Security Insurance market, as they rely heavily on retirement benefits provided by social security systems. This demographic primarily encompasses individuals who have reached the eligible age for retirement and have contributed to social security during their working years. The financial support offered to retirees is crucial for maintaining their standard of living post-retirement. With the rising life expectancy, retirees are increasingly seeking reliable sources of income, making social security benefits a vital component of their financial planning. As the number of retirees continues to rise, driven by the aging baby boomer population, the demand for comprehensive retirement benefits has surged, reinforcing the importance of this segment within the social security landscape.

Disabled Individuals:

Disabled individuals represent another critical segment of the Social Security Insurance market, where disability benefits provide essential financial assistance for those unable to maintain gainful employment due to physical or mental impairments. This segment has gained prominence as society becomes more aware of the challenges faced by individuals with disabilities. The Social Security Disability Insurance (SSDI) program plays a crucial role in ensuring that disabled individuals have access to necessary financial support to cover medical expenses and daily living costs. The market for disability benefits is expected to witness significant growth, driven by increased advocacy for the rights of disabled people and the growing recognition of their need for financial security.

Survivors:

Survivors, including dependents of deceased workers, constitute another essential category in the Social Security Insurance market. Survivor benefits are designed to support family members, such as spouses and children, who lose financial support due to the death of a wage earner. This segment of the market is vital for providing stability and continuity of income for grieving families, allowing them to cope with the loss and maintain their living standards. As the number of working-age deaths increases, particularly in the context of health crises or accidents, the demand for survivor benefits is likely to grow, prompting social security systems to adapt and enhance the services offered.

Spouses:

Spouses of retired or deceased workers also qualify for specific benefits under social security programs, emphasizing the importance of spousal benefits within the market. These benefits are designed to ensure financial security for surviving spouses or those who have dedicated their lives to supporting their partners. As more couples prioritize financial planning in their lives, the awareness and utilization of spousal benefits increases. This segment's growth can also be attributed to changing societal norms, where both spouses often contribute to the household income, requiring a more comprehensive approach to social security benefits to accommodate their needs.

Children:

Children of retired or disabled workers also benefit from social security programs, which provide crucial financial support through child benefits. These benefits aim to assist in meeting the financial requirements of children who may lose a parent due to death or disability. As the awareness of such safety nets increases, more families are likely to seek assistance, leading to growth in this segment of the social security market. Furthermore, as discussions around child welfare and financial security continue to gain traction, the need for child benefits as a part of broader social security frameworks is critical in ensuring children have access to educational and living expenses, thereby solidifying the importance of this segment within the overall market.

By Type of Benefits

Retirement Benefits:

Retirement benefits form the core of the Social Security Insurance market, providing financial assistance to individuals who have reached the retirement age and contributed to the social security system throughout their working lives. These benefits serve as a safety net, helping retirees to maintain their standard of living, cover healthcare expenses, and manage daily costs. The increasing number of retirees globally, particularly the aging baby boomer generation, has significantly amplified the demand for retirement benefits, prompting governments to reassess and enhance their social security frameworks to ensure sustainability and adequate funding for future retirees.

Disability Benefits:

Disability benefits are a crucial segment of the Social Security Insurance landscape, addressing the financial needs of individuals unable to work due to disabilities. The provision of such benefits is essential not only for individual welfare but also for societal inclusion, as it allows disabled individuals to lead dignified lives without being financially burdened. As awareness about disabilities rises and advocacy improves, more disabled individuals are expected to seek out and utilize these benefits, driving growth in this segment. Furthermore, as the prevalence of chronic illnesses increases, the demand for disability benefits is likely to rise, necessitating robust policies and programs to support this vulnerable population.

Survivor Benefits:

Survivor benefits are designed to provide financial support to the family members of deceased workers, ensuring that dependents receive assistance in the absence of their primary income earner. This specific type of benefit plays a key role in stabilizing the financial situation of bereaved families, allowing them to maintain their standard of living despite the loss. As discussions around family security and welfare continue to evolve, survivor benefits are expected to gain more importance, particularly in societies with rising mortality rates or health crises that disproportionately affect working-age individuals.

Spousal Benefits:

Spousal benefits are a vital aspect of social security, ensuring that spouses of retired or deceased individuals receive financial support during their time of need. These benefits can significantly enhance the financial stability of surviving spouses, particularly in a climate where dual-income households are now common. The growing recognition of the financial contributions made by non-working spouses underscores the need for robust spousal benefit programs, which are anticipated to tighten as social security frameworks evolve to meet the diverse needs of families in contemporary society.

Child Benefits:

Child benefits, offered to the dependent children of retired, disabled, or deceased workers, provide crucial financial support to ensure that children can access necessary resources such as education and healthcare. This segment of the Social Security Insurance market is vital for safeguarding the welfare of children, particularly in situations where they lose a parent due to disability or death. The increasing focus on child welfare in societal discussions is likely to bolster the demand for child benefits, prompting social security systems to enhance their offerings and ensure that children have access to the support they require for healthy development.

By Distribution Channel

Government Agencies:

Government agencies are the primary distribution channel for Social Security Insurance benefits, responsible for administering programs and ensuring that eligible individuals receive the financial support they need. These agencies play a critical role in managing the complexity of social security systems, offering guidance on eligibility requirements and application processes. The reliance on government agencies for benefit disbursement solidifies their importance within the market, as they serve as the main interface between the public and the social security framework. Efforts to streamline processes and increase efficiency within these agencies are ongoing, aimed at improving service delivery and enhancing user satisfaction.

Insurance Companies:

Insurance companies are an increasingly important distribution channel for social security-related products, providing complementary insurance solutions that enhance financial security for individuals. These companies often offer products that fill gaps in public social security benefits, such as private pensions and supplemental disability insurance. As the private insurance market evolves, more individuals are likely to seek out these complementary offerings, driving growth in this segment. The collaboration between insurance companies and government agencies can also lead to innovative solutions designed to address the changing needs of beneficiaries.

Banks:

Banks serve as a vital distribution channel for social security benefits, often facilitating the direct deposit of benefits into beneficiaries' accounts. This channel enhances the accessibility and convenience of receiving financial support, as many individuals prefer the security and ease associated with banking services. Furthermore, banks may offer additional financial products and services tailored to social security beneficiaries, such as savings accounts or financial planning services, reinforcing their role in the overall social security ecosystem. As digital banking continues to gain traction, the potential for banks to reach a broader audience grows, further solidifying their importance in the distribution of social security benefits.

Financial Advisors:

Financial advisors play a critical role in guiding individuals through the intricacies of social security benefits, ensuring that they make informed decisions regarding their financial futures. These professionals help clients navigate the complex landscape of options available to them, allowing beneficiaries to maximize their benefits based on their specific circumstances. As more individuals seek personalized financial advice, the demand for financial advisory services related to social security is expected to grow. This segment is particularly relevant as individuals increasingly prioritize comprehensive financial planning in conjunction with their social security benefits.

Online Platforms:

Online platforms have emerged as a significant distribution channel for Social Security Insurance benefits, providing individuals with convenient access to information, resources, and application processes. The proliferation of digital technologies has enabled beneficiaries to engage with social security services from their homes, streamlining the experience and enhancing overall accessibility. Online platforms offer tools and resources that help potential beneficiaries understand their options and eligibility, fostering greater participation in social security programs. As the digital landscape continues to evolve, the reliance on online platforms for social security services is expected to grow, making them an essential part of the distribution channel ecosystem.

By Coverage Type

Social Security Retirement Insurance:

Social Security Retirement Insurance is a fundamental component of the social security framework, designed to provide financial support to individuals upon reaching retirement age. This insurance ensures that retirees have access to a steady stream of income, allowing them to sustain their quality of life after exiting the workforce. The increasing number of retirees globally, coupled with rising life expectancy, emphasizes the need for robust retirement insurance programs. As the aging population continues to grow, Social Security Retirement Insurance will remain a key area of focus, prompting government reforms and enhancements to ensure the sustainability of these vital benefits.

Social Security Disability Insurance:

Social Security Disability Insurance (SSDI) is a critical benefit that provides financial assistance to individuals who are unable to work due to disabilities. This insurance serves as a safety net for those who may face economic hardship due to their inability to earn a living. The growing awareness of disability rights and the increasing prevalence of disabilities in society underline the importance of SSDI in the broader social security landscape. As more individuals become eligible for these benefits, the demand for Social Security Disability Insurance is expected to rise, necessitating continued improvements and adaptations to ensure adequate support is available for this vulnerable population.

Social Security Survivor Insurance:

Social Security Survivor Insurance is designed to provide financial support to family members of deceased workers, ensuring that dependents are not left without financial resources in the wake of a loss. This type of insurance is particularly crucial for maintaining the financial stability of grieving families, allowing them to cope with the unexpected changes in their circumstances. As the dynamics of family structures continue to evolve, the relevance and demand for Social Security Survivor Insurance are anticipated to grow, prompting policymakers to enhance existing frameworks and support systems to ensure that families receive the assistance they need.

Spousal Insurance:

Spousal Insurance is a vital component of the social security system, aimed at providing financial support to the spouses of retired or deceased workers. This insurance plays a pivotal role in ensuring that surviving spouses can maintain their quality of life and financial independence during challenging times. As societal norms shift and more couples rely on dual incomes, the significance of Spousal Insurance within social security frameworks is increasingly recognized. The likely growth in this segment reflects the ongoing need for financial security measures that cater to the diverse needs of families in contemporary society.

Child Insurance:

Child Insurance, which offers financial benefits to the dependent children of retired, disabled, or deceased workers, is critical for safeguarding the welfare of children. This insurance ensures that children have access to necessary resources, including education and healthcare, even in the absence of a primary income earner. As discussions around child welfare and financial security gain traction, the importance of Child Insurance is underscored, prompting social security systems to enhance their offerings to better support children in need. This segment is expected to grow as more families recognize the value of having comprehensive coverage for their children under social security programs.

By Region

The regional distribution of the Social Security Insurance market illustrates significant variances across different areas. In North America, the market is projected to be the largest, estimated at USD 800 billion, with a CAGR of 8.5% during the forecast period. The strong regulatory framework, coupled with a well-established social security system, supports the prevalence of social security benefits in this region. Additionally, the increasing aging population coupled with rising healthcare costs has heightened the demand for social security services, driving substantial growth in this sector. In Europe, the market is expected to reach USD 450 billion, with considerable emphasis on comprehensive social security reforms to accommodate the diverse needs of the population stretching across various member states.

In Asia Pacific, the social security insurance market is anticipated to grow significantly, projected to reach USD 200 billion by 2035, as governments across countries invest more heavily in social safety nets due to rapid urbanization and an aging demographic. This region is witnessing an increase in the number of elderly individuals, prompting governments to enhance their social security systems to provide adequate support. Meanwhile, Latin America and the Middle East & Africa are also contributing to market growth, with expected market sizes of USD 30 billion and USD 20 billion, respectively. The emphasis on improving social safety nets and increasing awareness of social security benefits will likely drive demand in these regions, although they still represent a smaller share of the global market compared to their North American and European counterparts.

Opportunities

The Social Security Insurance market presents a multitude of opportunities for growth and innovation, particularly as governments and organizations work to modernize their frameworks to better serve the public. One of the most significant opportunities lies in the integration of technology into service delivery, where advancements in digital platforms can enhance user experience and streamline application processes. The rise of artificial intelligence and machine learning can enable agencies to analyze vast amounts of data, improving eligibility assessments and ensuring that benefits are allocated more effectively. Furthermore, the increasing acceptance of remote consultations and online financial advisory services can help beneficiaries navigate their options, ultimately driving higher enrollment rates in social security programs.

Additionally, the growing awareness surrounding financial literacy presents an opportunity for social security programs to expand their outreach efforts. Educational initiatives aimed at informing the public about available benefits and the importance of financial planning for retirement can enhance participation rates. By partnering with community organizations, schools, and financial institutions, social security agencies can disseminate information more effectively, fostering a culture of financial responsibility. Moreover, as the demographic landscape shifts with an increasing number of retirees, targeted marketing strategies focused on specific groups, such as disabled individuals or survivors, can enhance awareness and understanding of the benefits available to them, thereby increasing overall market participation.

Threats

Despite the growth potential in the Social Security Insurance market, several threats could impede its progress. One of the foremost concerns is the sustainability of funding for social security programs, particularly in the face of an aging population and increased demand for benefits. As more individuals retire and require financial support, the burden on social security systems may strain existing resources. This situation could lead to budget shortfalls, necessitating difficult decisions regarding benefit levels and eligibility requirements. Additionally, political uncertainty can create instability in social security programs, as changes in government administration may influence policy direction and funding priorities, impacting beneficiaries' ability to rely on these services for their financial security.

Another significant threat to the market is the potential for systemic risks, such as economic downturns, which can severely affect funding mechanisms for social security. Economic instability may result in reduced tax revenues, thereby limiting the available resources for program funding. Furthermore, natural disasters or public health emergencies can exacerbate existing vulnerabilities within the social security system, as they may lead to an increase in claims for disability or survivor benefits. The intersection of these threats underscores the importance of continuous evaluation and adaptation of social security frameworks to ensure that they remain responsive to changing conditions and capable of meeting the needs of beneficiaries.

Competitor Outlook

• Social Security Administration (SSA)
• American Association of Retired Persons (AARP)
• UnitedHealthcare
• MetLife
• Prudential Financial
• MassMutual
• State Farm
• Guardian Life
• Allianz
• New York Life Insurance
• Lincoln Financial Group
• Transamerica
• Northwestern Mutual
• John Hancock
• Fidelity Investments

The competitive landscape of the Social Security Insurance market is characterized by a diverse array of players, ranging from government agencies to private insurance firms. The Social Security Administration (SSA) remains the preeminent entity, responsible for administering social security benefits and ensuring compliance with federal regulations. The SSA’s robust infrastructure and established reputation position it as a leader in the market, as it continues to adapt to the evolving needs of beneficiaries. Furthermore, organizations such as the American Association of Retired Persons (AARP) play a vital role in advocating for the rights and needs of retirees, influencing policy changes and enhancing public awareness of available benefits. Their efforts contribute to shaping the market landscape and ensuring that retirees are well-informed about their options.

In the private sector, several companies have emerged as key players in providing complementary benefits to social security offerings. UnitedHealthcare and MetLife, for example, offer various insurance products that support individuals in achieving financial stability. By providing supplemental insurance solutions, these companies enhance the overall safety net available to beneficiaries, catering to a wide range of demographic groups. The presence of established players such as Prudential Financial and MassMutual underscores the competitive nature of the market, as these companies strive to innovate and differentiate their offerings while maintaining compliance with regulatory standards.

As competition intensifies, firms in the Social Security Insurance market are increasingly focusing on leveraging technology to enhance service delivery. Digital platforms and online resources are becoming essential tools for engaging with beneficiaries, enabling providers to streamline processes and improve overall user experience. Companies that can effectively integrate technology into their operations are likely to benefit from increased efficiency and customer satisfaction. This focus on innovation is shaping the competitive landscape, as organizations explore new ways to enhance their offerings and better serve the public.

• 1 Appendix

  • 1.1 List of Tables
  • 1.2 List of Figures

• 2 Introduction

  • 2.1 Market Definition
  • 2.2 Scope of the Report
  • 2.3 Study Assumptions
  • 2.4 Base Currency & Forecast Periods

• 3 Market Dynamics

  • 3.1 Market Growth Factors
  • 3.2 Economic & Global Events
  • 3.3 Innovation Trends
  • 3.4 Supply Chain Analysis

• 4 Consumer Behavior

  • 4.1 Market Trends
  • 4.2 Pricing Analysis
  • 4.3 Buyer Insights

• 5 Key Player Profiles

  • 5.1 Allianz
    • 5.1.1 Business Overview
    • 5.1.2 Products & Services
    • 5.1.3 Financials
    • 5.1.4 Recent Developments
    • 5.1.5 SWOT Analysis
  • 5.2 MetLife
    • 5.2.1 Business Overview
    • 5.2.2 Products & Services
    • 5.2.3 Financials
    • 5.2.4 Recent Developments
    • 5.2.5 SWOT Analysis
  • 5.3 MassMutual
    • 5.3.1 Business Overview
    • 5.3.2 Products & Services
    • 5.3.3 Financials
    • 5.3.4 Recent Developments
    • 5.3.5 SWOT Analysis
  • 5.4 State Farm
    • 5.4.1 Business Overview
    • 5.4.2 Products & Services
    • 5.4.3 Financials
    • 5.4.4 Recent Developments
    • 5.4.5 SWOT Analysis
  • 5.5 John Hancock
    • 5.5.1 Business Overview
    • 5.5.2 Products & Services
    • 5.5.3 Financials
    • 5.5.4 Recent Developments
    • 5.5.5 SWOT Analysis
  • 5.6 Transamerica
    • 5.6.1 Business Overview
    • 5.6.2 Products & Services
    • 5.6.3 Financials
    • 5.6.4 Recent Developments
    • 5.6.5 SWOT Analysis
  • 5.7 Guardian Life
    • 5.7.1 Business Overview
    • 5.7.2 Products & Services
    • 5.7.3 Financials
    • 5.7.4 Recent Developments
    • 5.7.5 SWOT Analysis
  • 5.8 UnitedHealthcare
    • 5.8.1 Business Overview
    • 5.8.2 Products & Services
    • 5.8.3 Financials
    • 5.8.4 Recent Developments
    • 5.8.5 SWOT Analysis
  • 5.9 Northwestern Mutual
    • 5.9.1 Business Overview
    • 5.9.2 Products & Services
    • 5.9.3 Financials
    • 5.9.4 Recent Developments
    • 5.9.5 SWOT Analysis
  • 5.10 Fidelity Investments
    • 5.10.1 Business Overview
    • 5.10.2 Products & Services
    • 5.10.3 Financials
    • 5.10.4 Recent Developments
    • 5.10.5 SWOT Analysis
  • 5.11 Prudential Financial
    • 5.11.1 Business Overview
    • 5.11.2 Products & Services
    • 5.11.3 Financials
    • 5.11.4 Recent Developments
    • 5.11.5 SWOT Analysis
  • 5.12 Lincoln Financial Group
    • 5.12.1 Business Overview
    • 5.12.2 Products & Services
    • 5.12.3 Financials
    • 5.12.4 Recent Developments
    • 5.12.5 SWOT Analysis
  • 5.13 New York Life Insurance
    • 5.13.1 Business Overview
    • 5.13.2 Products & Services
    • 5.13.3 Financials
    • 5.13.4 Recent Developments
    • 5.13.5 SWOT Analysis
  • 5.14 Social Security Administration (SSA)
    • 5.14.1 Business Overview
    • 5.14.2 Products & Services
    • 5.14.3 Financials
    • 5.14.4 Recent Developments
    • 5.14.5 SWOT Analysis
  • 5.15 American Association of Retired Persons (AARP)
    • 5.15.1 Business Overview
    • 5.15.2 Products & Services
    • 5.15.3 Financials
    • 5.15.4 Recent Developments
    • 5.15.5 SWOT Analysis

• 6 Market Segmentation

  • 6.1 Social Security Insurance Market, By End User
    • 6.1.1 Retirees
    • 6.1.2 Disabled Individuals
    • 6.1.3 Survivors
    • 6.1.4 Spouses
    • 6.1.5 Children
  • 6.2 Social Security Insurance Market, By Coverage Type
    • 6.2.1 Social Security Retirement Insurance
    • 6.2.2 Social Security Disability Insurance
    • 6.2.3 Social Security Survivor Insurance
    • 6.2.4 Spousal Insurance
    • 6.2.5 Child Insurance
  • 6.3 Social Security Insurance Market, By Type of Benefits
    • 6.3.1 Retirement Benefits
    • 6.3.2 Disability Benefits
    • 6.3.3 Survivor Benefits
    • 6.3.4 Spousal Benefits
    • 6.3.5 Child Benefits
  • 6.4 Social Security Insurance Market, By Distribution Channel
    • 6.4.1 Government Agencies
    • 6.4.2 Insurance Companies
    • 6.4.3 Banks
    • 6.4.4 Financial Advisors
    • 6.4.5 Online Platforms

• 7 Competitive Analysis

  • 7.1 Key Player Comparison
  • 7.2 Market Share Analysis
  • 7.3 Investment Trends
  • 7.4 SWOT Analysis

• 8 Research Methodology

  • 8.1 Analysis Design
  • 8.2 Research Phases
  • 8.3 Study Timeline

• 9 Future Market Outlook

  • 9.1 Growth Forecast
  • 9.2 Market Evolution

• 10 Geographical Overview

  • 10.1 Europe - Market Analysis
    • 10.1.1 By Country
      • 10.1.1.1 UK
      • 10.1.1.2 France
      • 10.1.1.3 Germany
      • 10.1.1.4 Spain
      • 10.1.1.5 Italy
  • 10.2 Asia Pacific - Market Analysis
    • 10.2.1 By Country
      • 10.2.1.1 India
      • 10.2.1.2 China
      • 10.2.1.3 Japan
      • 10.2.1.4 South Korea
  • 10.3 Latin America - Market Analysis
    • 10.3.1 By Country
      • 10.3.1.1 Brazil
      • 10.3.1.2 Argentina
      • 10.3.1.3 Mexico
  • 10.4 North America - Market Analysis
    • 10.4.1 By Country
      • 10.4.1.1 USA
      • 10.4.1.2 Canada
  • 10.5 Middle East & Africa - Market Analysis
    • 10.5.1 By Country
      • 10.5.1.1 Middle East
      • 10.5.1.2 Africa
  • 10.6 Social Security Insurance Market by Region

• 11 Global Economic Factors

  • 11.1 Inflation Impact
  • 11.2 Trade Policies

• 12 Technology & Innovation

  • 12.1 Emerging Technologies
  • 12.2 AI & Digital Trends
  • 12.3 Patent Research

• 13 Investment & Market Growth

  • 13.1 Funding Trends
  • 13.2 Future Market Projections

• 14 Market Overview & Key Insights

  • 14.1 Executive Summary
  • 14.2 Key Trends
  • 14.3 Market Challenges
  • 14.4 Regulatory Landscape

Segments Analyzed in the Report

The global Social Security Insurance market is categorized based on

By End User

• Retirees
• Disabled Individuals
• Survivors
• Spouses
• Children

By Type of Benefits

• Retirement Benefits
• Disability Benefits
• Survivor Benefits
• Spousal Benefits
• Child Benefits

By Distribution Channel

• Government Agencies
• Insurance Companies
• Banks
• Financial Advisors
• Online Platforms

By Coverage Type

• Social Security Retirement Insurance
• Social Security Disability Insurance
• Social Security Survivor Insurance
• Spousal Insurance
• Child Insurance

By Region

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Key Players

• Social Security Administration (SSA)
• American Association of Retired Persons (AARP)
• UnitedHealthcare
• MetLife
• Prudential Financial
• MassMutual
• State Farm
• Guardian Life
• Allianz
• New York Life Insurance
• Lincoln Financial Group
• Transamerica
• Northwestern Mutual
• John Hancock
• Fidelity Investments