Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

by John Darer CLU ChFC CSSC

Annuities have been called "longevity insurance". Annuities protect against the risk of outliving your assets. How real is this longevity risk? Let's consider some actuarial projections………

How long can you be expected to live at age 65?

Age 70      F93.9%        M92.2%

Age 75      F85.0%        M81.3%

Age 80      F72.3%        M65.9%

Age 85      F55.8%        M45.5%

Age 90      F34.8%        M23.7%

Age 95      F15.6%        M7.7%

Age 100    F5.0%          M1.4%

Source: Society of Actuaries RP2000 Table with Full projection

Too dry for you? How about The Longevity Game by Northwestern Mutual? Answer a series of questions and The Quiet Company will reveal how long you have to live.

In addition to the longevity insurance provided by a structured settlement annuity, a plaintiff receiving a settlement arising out of personal physical injury, physical sickness, or a worker's  compensation claim, has a tax exclusion pursuant to 104(a(1) or 104(a)(2) of the Internal Revenue Code.

 

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