Because retirement isn’t a finish line—it’s the start of a longer journey.
We’re all living longer. That’s a good thing. But it also means our financial plans need to stretch further than ever before. Most retirement systems were designed for shorter lifespans. Today, people are routinely living into their 90s, but many retirement accounts aren’t built to last that long. That’s where Longevity Benefits come in.
Longevity is no longer a luxury, it’s the norm. And our benefits need to evolve to match that.
Longevity Benefits are a new kind of financial support that begins where most plans stop: at age 80 and beyond. Offered by forward-thinking employers, programs like Savvly help you grow savings today, and receive structured cash payouts later in life, when traditional benefits are long gone.
✅ They protect the years after retirement, not just the early ones
✅ They offer peace of mind now, knowing you’re covered later
✅ They help you plan better, spend with confidence, and live life fully
Think of it as your “retirement backup plan.”
Savvly’s longevity benefit:
It’s not insurance. It’s not a pension. It’s a smart, secondary layer that supports the second half of your life.
You worked hard to earn your retirement. Longevity Benefits help make sure it actually lasts.
Ask your HR team if Savvly is available to you—or visit savvly.com to explore more.
Assumptions and Risk Disclosure
The information provided on this page is for educational purposes only and should not be considered investment, legal, or tax advice. It is designed to help explain how longevity benefits work and what potential outcomes might look like under certain assumptions.
All illustrations, examples, and case studies are hypothetical and are meant to demonstrate potential scenarios—not guarantee actual outcomes. They do not reflect the performance of any individual investor, portfolio, or account.
Key Assumptions:
- Simulations may assume a 3% annual early withdrawal rate before payout or death.
- In the event of death or early withdrawal, beneficiaries may receive 75% of the lesser of the initial investment or the current market value, plus 1% for each year the account was active.
- Case studies assume standard market conditions and do not account for unexpected volatility, inflation, or changing personal circumstances.
Risks to Consider:
- Market Risk: Investment values may rise or fall depending on broader market performance. There are no guaranteed returns.
- Sequence of Returns Risk: The timing of market gains or losses—especially near payout age—can significantly affect outcomes.
- Longevity Risk: Living longer than expected may dilute the pooled benefit effect. Conversely, shorter-than-expected lifespans may impact value received.
- Redemption Impact: Voluntary or early withdrawals by other participants may affect the overall fund performance.
No forecast, projection, or hypothetical return should be relied upon as a promise or representation of future results. You should evaluate your personal situation and consult a qualified advisor before making any financial decisions.