Life Insurance Reserves Held by the 50th to 90th Wealth Percentiles
This dataset tracks life insurance reserves held by the 50th to 90th wealth percentiles over time.
Latest Value
707480.00
Year-over-Year Change
7.65%
Date Range
7/1/1989 - 1/1/2025
Summary
This economic trend measures the life insurance reserves held by households in the 50th to 90th wealth percentiles in the United States. It is an important indicator of savings and asset allocation among the middle-to-upper-class population.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The life insurance reserves held by the 50th to 90th wealth percentiles represent the cash value of life insurance policies owned by households in this income bracket. This metric is used by economists and policymakers to understand savings patterns and retirement planning behavior among the middle class.
Methodology
The data is collected through household surveys conducted by the Federal Reserve.
Historical Context
This trend provides insight into the financial security and risk management strategies of the middle class, which is crucial for informing economic and social policies.
Key Facts
- The 50th to 90th wealth percentiles represent the middle class in the U.S.
- Life insurance reserves account for a significant portion of middle-class household assets.
- Trends in this metric reflect changes in retirement planning and risk management behavior.
FAQs
Q: What does this economic trend measure?
A: This trend measures the life insurance reserves held by households in the 50th to 90th wealth percentiles in the United States. It reflects the cash value of life insurance policies owned by the middle class.
Q: Why is this trend relevant for users or analysts?
A: This trend provides important insights into the savings and asset allocation patterns of the middle class, which is crucial for understanding household financial security and informing economic and social policies.
Q: How is this data collected or calculated?
A: The data is collected through household surveys conducted by the Federal Reserve.
Q: How is this trend used in economic policy?
A: This trend is used by economists and policymakers to assess the financial well-being and risk management strategies of the middle class, which informs decisions related to retirement, taxation, and social programs.
Q: Are there update delays or limitations?
A: The data is subject to the timing of the Federal Reserve's household surveys, which may result in occasional update delays. Additionally, the survey methodology and sample size may introduce some limitations in the representativeness of the data.
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Citation
U.S. Federal Reserve, Life Insurance Reserves Held by the 50th to 90th Wealth Percentiles (WFRBLN40069), retrieved from FRED.