Longevity Benefits: The Missing Piece in Modern Benefits

Savvly is the first regulated benefit designed to reward longevity, reduce retirement risk, and fit seamlessly into any benefits package.

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Today’s Workforce Needs a New Kind of Benefit

Social Security is falling short. Traditional pensions have disappeared. And most retirement plans weren’t built for employees living well into their 90s. The result? More financial stress, more risk of outliving savings, and greater pressure on employers to fill the gap.

48% of 65-Year-Olds
Will Live Past 90

Most workplace plans aren’t designed for this kind of longevity. As employees live longer, financial gaps widen, especially in their 80s and 90s.

66% of Retirees Outlive Their Savings by Age 85

Traditional benefits assume retirement ends earlier than it does. Without long-life protection, employees face decades of underfunded living.

<5% of Plans Offer Long-Life Protection

Annuities are rigid. Investments alone aren’t reliable. And most benefits stop when longevity risk begins. It’s time for a smarter solution: the Savvly Longevity Benefit.

Features

What are Longevity Benefits?

A longevity benefit is a new kind of financial wellness product that supports employees in the years traditional plans ignore—ages 80 and beyond.

Longevity payouts (e.g., starting at age 80, 85, etc.)

Designed to supplement, not replace, 401(k)s or pensions

Helps mitigate “longevity risk”, the risk of outliving your money

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Bring Savvly to Your Workforce in Days, Not Months.

From HR platforms to small teams, Savvly fits right in—with no disruption to your current plan.

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How It Works

Check with Your HR Representative

Ask your HR representative if your company offers Savvly Longevity Benefits. If they do, you’re eligible to enroll and start planning for a longer, more secure future.

Set Up Your Account & Contributions

Open your Savvly account and choose a monthly contribution that works for you. Your employer may match your contributions or provide a fixed monthly benefit—be sure to ask about their support.

Let Your Savings Grow Over Time

Your contributions are pooled with others and invested in a diversified, low-cost fund that tracks broad market indices like the S&P 500. The longer you stay in, the more it can grow.

Get Rewarded for Living Longer

Starting at age 80, Savvly pays out directly to you at key life milestones—ages 80, 85, 90, and 95. These payouts can be 3–4x more than what you might earn investing alone. And if life takes another path? Your funds are returned to you or your family.

For example… How much could you get?

If she/he keeps receiving an employer deposit of $100/month until they retire at 65 and is now

If the S&P 500 grows at 6% per year

If the S&P 500 grows at 8% per year

If the S&P 500 grows at 10% per year

If the S&P 500 grows at 12% per year

$1.9M+

$5.4M+

$15M+

$39M+

$980K

$2.3M+

$5.6M+

$12M+

$440K+

$940k+

$1.8M+

$3.9M+

$280K+

$280k+

$500k+

$900k+

Note: the average long-term S&P 500 return has been 9%. The outcome shown above is an estimate of the sum of the four payouts at 80, 85, 90, and 95. The amount of these payouts is dependent on the return of the S&P 500 and the performance of the pension pool. Please see assumptions and disclosures at https://www.savvly.com/terms-conditions

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