The picture’s not completely rosy for 2015, but there are stillopportunities in the life insurance market, according to theexperts. And lots of those will come from retiring boomerslooking to secure their income with annuities.

According to the LOMA 2015 Life Insurance Industry Forecast, lowinterest rates and a less-than-stellar economic recovery are goingto continue to be thorns in the side of the industry — especiallyfor annuities. But the news from the panel of executives andindustry analysts that LOMA interviewed about their predictions forthe next 12 months wasn’t all bleak.

The experts were asked about what they saw as upcoming trends insales, distribution, service, technology and social media for thelife insurance industry. In response, they said they seemillennials and Gen Xers as strong target markets, especially forconservative savings vehicles, easy-to-understand propositions, anddigital offerings – although, critically, several conceded that itcan be challenging to gain their attention and trust.