How can companies and governments offer lifetime income for groups of employees or other individuals when annuities may not be available? Richard Fulmer, CEO of Nuovalo and founder of Nuova Longevita Research offers a platform to do so. It's not a tontine, but it leverages the power of longevity credits to reduce risk in retirement. We discuss use cases outside the U.S. and applicability here. Also, do you want to get regular updates on news about guests of our show? Go to https://thatannuityshow.com and subscribe to our newsletter. We hope you enjoy the show. Links mentioned: https://www.linkedin.com/in/richard-fullmer-b4b00a2/ https://www.nuovalo.com/