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Annuities With Longevity Protection Could Save Your Retirement


In the Wall Street Journal, Anne Tergensen highlighted a new trend in annuities: longevity policies. Unlike standard annuity products, this investment only begins payouts at a certain advanced age (usually 80 or older). When payments do begin, annual payments are higher. As a result, you may be able to maintain a similar standard of living during your golden years. Due to interest compounding, you can amass a significant sum with a smaller initial investment than a regular annuity.

Unfortunately, buying a longevity protected annuity uses up a significant portion of your emergency savings. Also, you’ll lose most of your investment if you pass away before the bulk of the policy is paid out; just like traditional annuities.

These products are currently offered by MetLife, Hartford, and New York Life.

For more information about the product mentioned in this article contact us here:

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