Longevity Benefits

Support your workforce today, protect their future tomorrow.

Savvly’s Longevity Benefit is a regulated workplace benefit that helps employees prepare for financial needs after age 80—when traditional plans may no longer be enough.

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A modern benefit for a longer life.

Longevity benefits are designed to support employees in later stages of retirement, typically after age 80, when other resources like 401(k)s or Social Security may run low. This benefit offers a potential stream of income to complement existing retirement plans and reduce financial anxiety during the later years of life.
Not insurance or a pension
No underwriting or pooled risk
Funded over time, begins after 80
Regulated and compliant
Portable for employees
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Retirement isn’t ending at 65 anymore.

People are living longer, retiring later, and stretching their savings further than ever before. Traditional retirement tools weren’t designed for life beyond 80. Longevity benefits help close this gap, and give employees greater peace of mind.
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Financial fears are keeping people in the workforce.

Many employees delay retirement simply because they’re afraid of outliving their savings—limiting upward mobility and increasing costs for employers.
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Most retirement plans stop too soon.

401(k)s, IRAs, and even Social Security often taper off before age 80—leaving a critical financial gap in the later stages of life when support is still needed.
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Retirement is lasting longer than ever.

Today, 1 in 3 people who reach age 65 will live past 90. That’s 25+ years of retirement to prepare for—far beyond what most benefits were designed to support.

Built to complement, not compete, with your current benefits.

Savvly integrates with your existing payroll system to offer a flexible, low-friction longevity benefit. Employers contribute a fixed amount per employee per month, and funds grow over time for potential use in later life. Employees own their benefit, and Savvly handles the rest.

Predictable

Fixed monthly costs with high perceived value

Simple

Seamlessly integrates with payroll systems

Portable

Employees keep it even if they leave

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Support every generation in your workforce.

Whether your workforce includes career starters, mid-level professionals, or those approaching retirement, longevity benefits offer long-term support and signal that your organization values lasting financial well-being.
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How Employees Get Started

Our process isn’t complicated—it’s just designed to work. Here's how we turn your vision into reality.

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01
Set Up Account & Contributions

Employees open their Savvly account. Employer then set their contributions and provide a fixed monthly desposit.

02
Let Savings Grow Over Time

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 employees stay in, the more it can grow.

03
Get Rewarded for Living Longer

Starting at age 80, Savvly pays out directly to employees at key life milestones—ages 80, 85, 90, and 95. These payouts can be 3–4x more than what you might earn investing alone.

Why Employers Choose Savvly

Future-Proof Your Benefits Without Complex Plans

Built for Longevity

A late-life benefit strategy that helps address outliving retirement savings.

Designed to support employees into their 80s and beyond
No lifetime liability or funding risk for employers
Flexible contribution structure you can control
Boost retirement outcomes by 20–30%
Complements Your Current Benefits

Savvly integrates with your existing 401(k) or retirement plan.

No disruption to your current retirement setup
Works alongside 401(k)s, IRAs, and other programs
Engage employees with optional education and financial tools.
Easy for employees to understand and track
Encourages Retention

The longer employees stay, the more value they may unlock, helping reduce turnover.

Contributions can grow over time based on tenure
No need to increase salaries to boost loyalty
Shows long-term care for loyal workers
Stand out in a competitive talent market.
Supports Workforce Mobility

When employees feel confident, they’re more likely to retire on their own terms.

May help open roles for new or younger employees
Reduces financial pressure to delay retirement
Encourages thoughtful career transitions
Aligns workforce planning with employee needs
Scalable Cost Model

Savvly is cost-efficient, with no health-checks, or hidden fees.

You choose the monthly contribution per employee
No long-term contracts. Seamless integrations
Scales easily for mid-size and large teams
No extra cost as employees age or move up the ladder
Inclusive by Design

Savvly works for everyone, regardless of income, job type, or health status.

Equal access for hourly, salaried, and part-time staff
Structured as a standalone ERISA plan.
Aligns with DEI and equity goals
Respects all roles across the plant floor and offices

Savvly in the News

Savvly is changing the conversation around long-term financial security—and people are talking.

A novel benefit solution for your employees

Savvly is a modern benefit that supports your workforce—today and tomorrow. Add it as a standalone option or supplement existing plans like 401ks.

Be the star of HR. Learn how fast and easy it is to offer Savvly’s Longevity Benefit

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