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Longevity insurance, insuring longevity, is designed to pay to the policyholder a benefit if he or she survives to a pre established age at the time the insurance policy is purchased. The benefit is generally paid in the form of an annuity for the remainder of the individuals life, though alternative benefit forms may be provided depending on the terms of the actual policy. Not many insurance companies offer these policies currently. The most notable are Metropolitan Life Insurance and Hartford Insurance Companies. The main use of these products is to provide retirees with a manner to hedge economically against living to an age at which they may have diminished financial resources.

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