Portfolio Construction

Annuity Industry Survey 2026: Resilient by Design

As market dynamics continue to evolve, insurance carriers are building more resilient platforms, expanding retirement solutions, and putting innovation into action. Today, the industry's focus extends beyond product development and there is a broader objective: delivering stronger retirement outcomes through integrated investment solutions with technology-enabled engagement.
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In our sixth annual Annuity Industry Survey, Resilient by Design, we examine how insurance carriers are navigating market headwinds while maintaining a sharp focus on innovation to help individuals achieve their long-term retirement goals. The findings reveal an industry with enhanced investment platforms, refined portfolios, broad product offerings, and distribution strategies that meet the needs of investors.

Our findings are structured across four core pillars:​

  1. Market Outlook & Investment Landscape​
  2. Investment Strategy & Portfolio Construction​
  3. Product Innovation & Retirement Solutions​
  4. Distribution, Advice & Industry trends​

Together, these themes reveal an industry focused on helping investors convert savings into sustainable income and achieve long-term retirement outcomes.

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Annuity Industry Survey 2026: Resilient by Design
As insurers navigate an evolving retirement landscape, the 2026 Goldman Sachs Asset Management Annuity Survey explores how industry leaders are building resilient platforms through innovation, diversification, guaranteed income solutions, and AI.
annuity industry survey 2026: resilient by design
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Risk considerations and disclosures

Views expressed discussed are those of 103 survey respondents, compiled by Goldman Sachs Asset Management as of September 25, 2026. Responses were collected from June 30, 2026 – July 28, 2026.

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Compliance code: N15821-OTU-821702
Date of first use: October 02, 2026