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

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

The experts were asked about what they saw as upcoming trends in sales, distribution, service, technology and social media for the life insurance industry. In response, they said they see millennials and Gen Xers as strong target markets, especially for conservative savings vehicles, easy-to-understand propositions, and digital offerings – although, critically, several conceded that it can be challenging to gain their attention and trust.