Your income should last as long as you do.
Longevity annuities provide guaranteed income for life — structured around how long you plan to live, not how long a standard product lasts.
What a longevity annuity actually does
A longevity annuity converts a portion of your wealth into guaranteed income that starts at a future date — typically when you're 75, 80, or 85 — and pays for the rest of your life regardless of how long that is.
The problem it solves is specific: most retirement income strategies run the risk of depleting assets in an unusually long life. A longevity annuity removes that risk by guaranteeing income for the years most other products don't cover.
For founders and executives building toward a 40 or 50-year financial horizon, this is one of the most efficient tools available — converting a defined amount of capital today into a guaranteed income floor for the decades ahead.
Who this is for
Founders and executives
Building long-term financial infrastructure alongside a business that demands most of your capital today. A longevity annuity provides a guaranteed income foundation that doesn't depend on continued business performance.
High-net-worth individuals
With significant assets and a long time horizon, longevity annuities complement existing investment portfolios by eliminating sequence-of-returns risk in the later decades of retirement.
Families planning multigenerational wealth
Certain annuity structures include survivor benefits and can be coordinated with estate planning to protect a spouse or pass value to heirs.
Anyone planning for a longer life
If your family history or health profile suggests longevity well beyond average, the math on a longevity annuity improves significantly. The longer you live, the more valuable guaranteed lifetime income becomes.
How Stead approaches annuity structuring
We don't place annuities in isolation. Every annuity we structure is coordinated with your existing life insurance, your investment portfolio, and your broader income picture — so the product actually fits your situation rather than being sold to fill a quota.
We compare options across carriers with full economics disclosed. You see exactly what you're buying, what it costs, and how it performs under different longevity scenarios before you commit to anything.
Your annuity and the analysis behind it live in your Life Vault alongside your other policies — so you always have visibility into how your income picture fits together over time.
Connected to your longevity plan
Stead is building the long-duration wealth platform for founders and executives. Annuities are one component of that — the income layer of a financial plan designed for a life that may last significantly longer than any standard retirement model assumes.
As the Life Vault evolves to connect financial data with health and longevity data, annuity structuring becomes more precise — informed by how long you're actually likely to live based on your specific biological profile, not population averages.
Is a longevity annuity right for your situation?
It depends on your income needs, your existing assets, your tax picture, and how long you plan to be around. Book a call and we'll give you a straightforward answer.
Stead does not sell, place, negotiate, or bind insurance. We connect you with properly licensed professionals. Insurance products are offered by licensed third parties and subject to underwriting and state regulations.