Retirement Redefined: F&G Survey Shows Shift to Flexible, Delayed…

Event summary

F&G's 2026 Retirement Reconsidered survey found 51% of pre-retirees plan to semi-retire, up from 75% considering or delaying retirement.
60% of pre-retirees now view retirement as a gradual transition, with only 21% associating it with stopping work entirely.
75% of respondents prioritize financial certainty over investment growth potential in retirement planning.
Gen X shows the most concern, with only 11% rating themselves as financially ready for retirement.

The big picture

F&G's survey highlights a broader industry shift toward flexible retirement models, driven by financial uncertainty and generational preferences. The data suggests growing demand for products that provide predictable income, positioning F&G to benefit from this evolving market. The trend is particularly pronounced among Gen X, who are redefining retirement as a multi-phase transition rather than a single event.

What we're watching

Product Demand Shift: How F&G's push for guaranteed income products will affect its annuity and life insurance sales.
Generational Differences: Whether Gen X's financial anxiety will drive more demand for personalized retirement solutions.
Market Positioning: The pace at which F&G can capitalize on the trend toward flexible retirement planning.