We’re living longer than ever before. That’s great news, but it also comes with new financial challenges.
Longevity benefits are a modern solution designed to help people live better, more financially secure lives, especially in the later decades of retirement. Unlike traditional benefits that stop working when the paycheck ends, longevity benefits start working when you need them most: at ages 80, 85, 90, and even 95.
Most retirement plans assume people will stop working around 65 and live a few more decades. But today, nearly half of 65-year-olds will live into their 90s. And yet, most savings, pensions, and even Social Security often run out too early. That’s where longevity benefits come in.
They offer structured payouts later in life, providing financial security when traditional plans often fall short. Think of it as a long-term safety net, built to protect your future self.
While every program is different, here’s how it works with Savvly:
It’s flexible. It’s inclusive. And it’s built for the way we actually live today.
Longevity benefits don’t replace your 401(k) or Social Security, they complement them. We believe they offer extra peace of mind for later in life, so you can spend more freely today, retire earlier, or simply plan with more confidence.
Your employer is proud to offer the first-of-its-kind longevity benefit. It’s time your benefits evolved with your lifespan.
Assumptions and Risk Disclosure
The information on this page is provided for educational purposes only and is not intended as investment, legal, or tax advice. It is designed solely to illustrate how longevity-linked investment benefits may work under certain assumptions. Actual results will vary. All illustrations, examples, and case studies are hypothetical and are intended to demonstrate potential scenarios — not to predict or guarantee actual outcomes. They do not represent the performance of any individual investor, portfolio, or account.
Key Assumptions Used in the Illustrations
Life expectancy and mortality projections are based on the most recent Social Security Administration (SSA) tables available at the time of simulation.
In the event of death or early withdrawal, hypothetical scenarios assume that investors who exit early, or their estate in the event of death, may receive 75% of the lesser of the initial investment or current market value, plus 1% for each full year the account was active.Case studies assume standardized market growth of 8% annually and do not incorporate unexpected market volatility, inflation, changes in interest rates, or changes in an investor's personal circumstances.
Simulations may assume a 3% annual early withdrawal rate prior to payout or death. All figures shown are net of fees. No forecast, projection, or hypothetical return should be relied upon as a promise or representation of future performance.
Past performance is not indicative of future results. The 8% annual market growth rate used in illustrations is a standardized assumption for modeling purposes only and does not represent the historical or expected performance of any specific investment. Note that early or voluntary withdrawals by other participants can affect fund performance and the size of distributions, and that a higher-than-expected number of participants reaching payout milestones may reduce the per-participant benefit received.Savvly's Longevity Benefit is not a bank product, not FDIC insured, not insured by any federal government agency, not a guaranteed or insured investment, and not insurance. Investment values may decline.
Savvly's Longevity Benefit may not be suitable for all investors. Eligibility to invest is subject to qualification requirements and not all investors will be eligible. Investors should carefully consider their investment objectives, risk tolerance, time horizon, and financial situation before investing. See savvly.com/disclosures for current eligibility criteria, fees, risks, withdrawal terms, and fund assumptions.
This content is published by Savvly, Inc. Savvly has a financial interest in the products described and this content should not be interpreted as independent financial research or analysis. Investors should carefully evaluate their own circumstances and consult a qualified financial professional before making any investment decision.