Americans often live longer than expected
What this chart shows:
This chart shows the probability of a healthy 65- year-old couple living to various ages. It highlights that for a couple age 65 today, there is a nearly 75% chance that at least one of them will live to age 90.
Why it matters:
Planning for retirement requires accounting for longevity, which is arguably the most critical factor. Longer lifespans increase the risk of outliving your assets.
Given the numbers, it is prudent to prepare for a retirement that could last 30 years or more. A comprehensive plan should generate sustainable lifetime income while also accounting for the potential healthcare expenses that often accompany increased longevity.
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Source: American Academy of Actuaries. Longevityillustrator.org accessed on December 15, 2025. Assumes a 65-year-old non-smoker couple (M/F) in excellent health. Longevity risk refers to the potential financial risk of individuals facing higher-than- expected costs due to living longer than expected. Longevity risk increases exposure to other risks during retirement, such as market volatility, inflation, and unexpected healthcare or long-term care costs.