The Task Force for the Future has developed a set of objectives for helping Americans meet basic financial security needs.

The task force, made up of 18 major life insurance industry groups, says the objectives will help the industry enhance its chances of protecting Americans against death, disability and old age.

The objectives are:

- To improve the financial literacy of all Americans.

- To increase consumer awareness of the essential role of insurance through greater support of the Life and Health Insurance Foundation for Education, Washington.

- To invest more heavily in all means of distribution, with the greatest emphasis on recruiting new people to the industry in support of face-to-face distribution.

- To resist and remove regulatory barriers.

Life groups such as the American Council of Life Insurers, Washington, and the National Association of Insurance and Financial Advisors, Falls Church, Va., created the task force in 2003.

Members of the task force will meet again by conference call later this year to discuss their progress, task force officials say.