CHICAGO (AP) — Odds are growing that you'll live past 85. But will your money last that long? And what if you make it to 95 or 100?
With lifespans lengthening, those nearing retirement may want to consider financial protection to guard against the possibility of outliving their money.
It's now increasingly available in the form of longevity insurance, which usually involves giving a sum of money to an insurer in your 60s in exchange for monthly payments that start at 80 or 85 and continue for the rest of your life.
The little-known financial product is gaining new attention at a time when few have pensions and Congress is discussing changes to Social Security that could reduce future benefits. New York Life Insurance Co. began offering a policy in July, joining a handful of others including MetLife, Symetra Financial and The Hartford.
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