Annuities Reduce Retirees’ Financial Stress, Academic Paper Finds

July 14, 2026 by Edward Rueda

Annuities provide guaranteed payments that could, in turn, reduce retirees’ financial stress and potentially lengthen life spans, according to a recent study published by the National Bureau of Economic Research. Looking at administrative payout data from approximately 600,000 Chilean retirees from 2004 through 2022, the study found that surveyed retirees with annuities had a 2.55% reduction in mortality over a five-year horizon and a 3.62% reduction over a 10-year horizon.

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Originally Posted at Plan Adviser on Jul 8, 2026 by Edward Rueda.