How an Insurance Provider Used Compeers AI to Identify Retirement-Planning and Annuity Opportunities

The provider needed to understand how consumers prepare for retirement and evaluate retirement-income products.

The research examined retirement planning activities, expected savings and expenses, financial decision-making, annuity consideration, desired product features, and information and purchase channels. It also needed to identify which household and demographic characteristics meaningfully influenced interest.

Compeers AI analyzed a 31-question survey completed by approximately 350 adults. The questionnaire included screening, numeric and multi-select questions, percentage allocations, agreement scales, rankings, and channel matrices.

The platform produced consumer profiles, cross-tabulations, statistically significant comparisons, charts, an executive summary, and recommendations in one workflow. This connected household composition and retirement behavior with product interest and channel preferences.

Nearly 80% of respondents lived in households with two to four members, and almost nine in ten had no more than three financially dependent family members. Three-person households were the most common and showed the strongest annuity consideration: 75% would consider converting part of their assets into a lifetime-guaranteed annuity, compared with approximately 60% of two-person households.

Gender did not meaningfully influence annuity consideration. However, women were more likely than men to allocate 41% to 80% of their funds toward retirement planning, including medical, daily-living, and leisure expenses.

Information preferences also varied. Women placed greater value on family and friends and insurer websites, while medium-sized households responded more positively to print media, educational workshops, and banks.

The provider could prioritize annuity and family-oriented retirement products for medium-sized households, particularly three-person households, while keeping core annuity messaging gender-neutral.

It could tailor retirement-savings and medical-expense communications to women, develop educational content for households earlier in the planning journey, and align outreach channels with consumer preferences.

This use case demonstrates how Compeers AI can turn complex life insurance and retirement research into verifiable guidance for product development, segmentation, communication, distribution, and customer education.