What if you live to 100?

Living a long, healthy life should be a good thing.

Inheriting a longevity gene should be cause for celebration, not concern. You can eliminate one of your biggest potential concerns—will my money last?—by scheduling guaranteed income to begin later in life.

Longevity insurance* is one of the most cost-effective ways to guarantee lifetime retirement income. You use only a small portion of your savings—usually 10 to 15 percent—to buy future income at today's prices.

Why choose longevity insurance over a traditional income annuity?

• You expect to live a long life.
• You want to make time work for you. (Buying future income at today's prices means your initial purchase payment will be quite small compared to the potential payout.)
• You want the freedom to spend money now–in your active years–without wondering if you'll have income later.

How will longevity insurance for me?

• Ray's Story—Getting future income at today's prices
• Joe's Story—Enjoying the early years of retirement
• Sarah's Story—Turning retirement savings into longevity insurance

News about longevity insurance

Sure Income for the Very (Very) Long Haul (Money magazine)
Lock In Your Retirement Income (Kiplinger)
Bet Against Your Early Death (The Motley Fool)

Talk with an advisor

A knowledgeable financial advisor can help take the fear and mystery out of retirement planning. If you currently work with a trusted advisor, congratulations: just print this PDF to discuss with your advisor.

Not currently working with a financial advisor? Click here to find a trusted, knowledgeable advisor near you.

*The term “longevity insurance” refers to a concept, not the name of an insurance product. Some states define longevity insurance as an annuity with a payout option only with no death benefit.