Living Longer, Living Better: What the Longevity Preparedness Index Means for You

At FinFit Life, we believe that true success in life is measured not only in years but in the quality of those years. Longevity is a gift, but living longer doesn’t automatically mean living better. A new study from John Hancock and MIT AgeLab, the Longevity Preparedness Index (LPI), explores what it really means to be ready for a longer, healthier, and more financially confident life—and the findings offer powerful insight for all of us.

What Is the Longevity Preparedness Index?

The Longevity Preparedness Index measures how prepared Americans are to live well into later years—beyond simply saving for retirement. It looks at eight areas of life that shape long-term well-being:

• Finances

• Health

• Care

• Home

• Community

• Social connections

• Daily activities

• Life transitions

By evaluating these areas together, the LPI gives a fuller picture of how people are doing when it comes to living long and living well.

The results reveal a growing awareness of longevity but also significant gaps in readiness—especially in areas like long-term care, home accessibility, and health planning. While Americans recognize the importance of these topics, many have yet to take meaningful action to prepare.

Where Most People Fall Behind

One of the most striking findings is how few Americans feel ready to handle the realities of long life. Nearly 70% of adults over 65 will need some form of long-term care, yet few have made a plan. Even fewer have modified their homes to support safe and independent living as they age.

The study also found that many people underestimate the impact of social and emotional factors. Strong relationships, community engagement, and a sense of purpose all contribute to a better quality of life—but they are often overlooked when people think about “planning for the future.”

Money Matters, But It’s Not Everything

Financial health remains a major driver of overall preparedness. Those who work with financial professionals and maintain insurance coverage are more confident about their future. However, the data shows that financial planning alone isn’t enough.

People who pair smart money management with healthy lifestyle habits score significantly higher in multiple areas of longevity readiness. This finding perfectly aligns with FinFit Life’s core philosophy: that financial fitness and physical fitness go hand in hand. When you protect your income, invest in your health, and stay connected to a community that encourages growth, you create a stronger foundation for the future.

The Power of Healthy Habits

Longevity isn’t just about adding years—it’s about adding vitality. Simple daily habits can have an extraordinary impact over time:

• Prioritize regular movement and exercise.

• Choose balanced, nutrient-rich foods.

• Get quality sleep and manage stress.

• Stay engaged with friends, family, and your community.

These choices compound over time, helping people stay active, independent, and confident well into later years.

Taking Action Toward Longevity Readiness

Here are a few practical steps anyone can start today:

1. Plan ahead for care. Have open conversations about your wishes and create a plan before you need one.

2. Evaluate your home environment. Small improvements like better lighting, slip-resistant flooring, or grab bars can make a big difference.

3. Protect your financial future. Explore life insurance options that also reward healthy living.

4. Strengthen your support network. Relationships, community, and shared goals provide emotional and physical resilience.

5. Work with professionals. Partnering with a trusted FinFit Life agent can help you design a personalized strategy that covers both your wellness and financial goals.

The FinFit Life Perspective

The Longevity Preparedness Index reinforces what FinFit Life has always stood for: real wellness means balance. A longer life should also be a more secure, more energetic, and more fulfilling one.

By integrating financial security, healthy living, and community support, FinFit Life helps individuals build a foundation for lifelong success. We empower people to live with confidence—today and for decades to come.

Your longevity journey starts with one decision: to take action. Whether you’re planning for the future or already on your wellness path, FinFit Life is here to help you align your health and finances so you can enjoy every stage of life to the fullest.

Talk to your FinFit Life agent today to start building your personalized longevity plan—and take the next step toward a healthier, wealthier future.