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Lifetime Income for Your 90s
Get guaranteed lifetime income if you reach your 90s, and an optional return of premiums you paid for.


AgeUp provides a solution for getting income after you turn 90 years old or an optional return of the premiums you paid for if you don’t reach the age. AgeUp is a longevity annuity that works similarly to a pension or retirement fund for people past 90 years old. 

What is AgeUp?

With more people having longer life expectancy, AgeUp offers a solution for people who want to receive an income after they turn 90 years old to help avoid financial stress for themselves or their families. 

Starting at only $25 per month, it is available for people in pre-retirement or early retirement between the ages 50 and 75 years old. If you are in this age range, you can choose a flexible monthly premium of $25 up to $250 towards receiving a monthly income past 90 for the rest of your life. 

The funds you will receive after 90 can be used for whatever you like. If you don’t reach 90 or pass away earlier than having received whatever you paid in premiums, you can choose a beneficiary to enjoy the remaining income you did not receive.

How Does AgeUp Work?

AgeUp offers an easy-to-use digital platform to sign up and manage all your premiums and payouts. The final payouts you receive depend on how much you pay monthly, your rate, and an interest rate calculated at the time of signing up. To get an estimation of the payouts you could receive, the AgeUp website has a simple calculator you can use for this purpose.

Let’s review how AgeUp works.


Premiums start at $25 up to $250 per month. You have the flexibility of choosing how much you pay each month. You can easily increase or decrease, or pause your payouts at any time before your next premium payment due date. This makes AgeUp more affordable than other longevity annuities that could require an initial lump sum payment of at least $10,000.

Target Age

Depending on your specific financial situation related to your retirement, you can choose your payouts to start at a certain age between 91 and 100 years. For example, f you have enough retirement savings to last you until you reach 95, you can choose to start receiving payouts from this age. 

Return Option

There is an option for you to choose a beneficiary of your payouts if you don’t reach past 90 or you die earlier than receiving all your payouts. This option guarantees that if you don’t reach your target age or die earlier than receiving your payouts, a beneficiary will receive what you paid to AgeUp, minus what you received if you reached your target age. This option involved less risk but lowers your monthly payouts in the future. This means that if you choose to decline the premium return feature, you will get more money on your monthly payouts in the future, but you won’t getting anything back if you die earlier than your target age or before4 receiving all your payouts. This premium return works like a life insurance check for your beneficiary; they will be able to use the funds for whatever they want.


AgeUp does not have any fees, you only pay whatever you choose for your monthly premiums. This could be anything between $25 and $250 per month, and you can adjust or freeze your premiums at any time.

Is AgeUp legit?

AgeUp is issued by MassMutual, an insurance and financial services company that has been offering life insurance and other protection and investment products for over 160 years.

How to Get Started with AgeUp 

You can purchase AgeUp for yourself if you are a man or a woman between 50 and 75 years old, you are a U.S. citizen or permanent resident, and live in an eligible state. At the moment, AgeUp is offered in all states apart from California, New York, and Florida. If you are concerned about a family member or a loved one, you can also purchase AgeUp on behalf of someone else. 

If you are ready to purchase AgeUp, you can easily get started online by getting an estimate of your payouts after filling out a simple questionnaire.


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AgeUp Products and Services

Why Us

Flexible Monthly Premiums

If you are between 50 and 75, choose monthly premiums starting at only $25 and up to $250.

Lifetime Income After 90

Choose a target age between 91 and 100 to start receiving your payouts depending on your retirement savings situation.

Return of Premiums

Choose a beneficiary to receive the premiums you paid for if you don't live until 90 or receive higher payouts when you decline the return.


Get Lifetime Income for Your 90s

Get started with AgeUp to access guaranteed lifetime income if you reach your 90s, and an optional return of premiums you paid for.

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This page’s information results from independent research by our editorial team, who does their best to reflect factual and accurate information about the financial institution and its products. Financial institutions are not responsible for the content posted on; visit the financial institutions’ website or contact it directly if you have any questions.

If you work for this financial institution and want to adjust any information, contact us at [email protected].

* AgeUp is a Deferred Income Annuity (ICC19DTCDIA) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC

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