While the report was encouraging, that means 55 percent of Americans are still unprepared to meet the basic requirements of retirement. With more than half of Americans unprepared for retirement, the additional the risk of living longer has only compounded the problem, and with market volatility an ever-present concern, retirees are seeking more conservative financial products.With me today to talk about one of alternatives is author, popular platform speaker and Certified Annuity Specialist Liz Cornell.