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  • Tontines

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      Introduction to Tontines

      Start here if you are new to Tontines & longevity pooling

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      About Tontine Trust

      Find out more about who we are, how we got started and the mission we are on

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      Read the latest academic papers and research advocating for more Tontines

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      Read the latest news on Tontine Trust and the Tontine renaissance

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      Download the Tontine App and manage your lifetime income from your mobile or tablet.

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      The Tontiner Blog

      Lifestyle tips for Tontiners that want to Live Long & Prosper®

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      What is a Tontine Trust Fund?

      Build your personalised passive income strategy and start enjoying monthly payouts from any age.

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      Enjoy Passive Monthly Income for Life

      Start receiving monthly distributions at any age

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      Visualise your Potential Payouts

      See why longevity pooling compares favourably to standard wealth management strategies

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      Flexible Distribution Profiles

      See how to adjust your payouts to balance what you need right now versus later

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      Enjoy Zero Setup Costs & Low Fees

      Start growing your Tontine Trust Fund now with zero setup costs.

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      Trust Funds for Children

      Give your children an inheritance that will last a lifetime

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      Local Payment methods in over 40 countries

      Fund your trust with low-cost local bank transfers through our global partner network

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      Gold Tontines

      Lifetime Income Trusts backed by physical Gold, the world’s reserve asset

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      Bitcoin Tontines

      Lifetime Incomes backed by the worlds favorite digital asset

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      A Lifetime Income Trust backed by Bitcoin and Gold

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      Silver Tontines

      Lifetime Income Trusts backed by physical Silver

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      Receive a Free Tontine Card

      Forget about a bank account, spend your income from your free Tontine Card

  • Pensions

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      The TontineIRA®

      Transfer a standard IRA/401k to a lifetime income IRA with added longevity pooling

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      Tontine Trust Pensions

      Switch to a pension that that offers a steady income that will last as long as you do

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      Solutions for Pension Providers

      Our Tontines-as-a-Service platform enables you to add longevity pooling returns to your standard pension products

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      Offer a lifetime income banking product that supports clients for years

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      Associations

      Best in class pensions for your members

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      National Tontine Pensions

      Offer lifetime social security for citizens without relying on government guarantees

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When it comes to the Longevity olympics, women dominate

At 112, the world's oldest man is still lagging behind 8 ladies.

Aug 26, 2024

01:50 min read

Dean McClelland
Oldest people in the world

From: The Oldest People in the World by Anna Fleck, Aug 26, 2024

The world’s oldest man, John Alfred Tinniswood, is turning 112 today at his care home in Merseyside, the United Kingdom. The supercentenarian puts his long life down to “luck” and says that he follows no specific diet, but eats fish and chips on Fridays. Tinniswood, who has lived to see 24 UK prime ministers in office, became the oldest man whose age is validated worldwide after the death of 112-year-old Shi Ping of China in June.

As the following chart shows, the eight oldest people in the world are all women. Tomiko Itooka of Japan leads the list aged 116 years and 95 days. She is joined by two other Japanese nationals, Okagi Hayashi (aged 114 years and 359 days) and Hisako Shiroishi (aged 114 years and 99 days). All entries have been validated by the Gerontology Research Group.

Do these ‘supercentenarians’ have any advice for living for so long? Emma Morano, who was born in 1899 and died in 2017 at the age of 117 was thought to have been the last person alive to have lived in three different centuries. The Italian apparently put her long life down to leaving her husband in 1938 and the consumption of two raw eggs and some raw minced meat every day.

Source: Statista

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The sure way to avoid pension inheritance tax: Live like a Tontiner and Die with Zero.

Maximise your lifetime spending, minimise what you leave to bureaucrats

May 13, 2026

02:10 min read

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Paradise Calling: Relocating to El Salvador (Bitcoin Country)

Moving to El Salvador is easier than you think. With a Bitcoin Tontine, you arrive with a built-in, lifelong income designed for Bitcoin Country.

Apr 10, 2026

03:00 min read

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Tontine Trust Funds: The Opposite of Life Insurance, by design

How trust-based longevity pooling rewards living longer instead of early death

Jan 29, 2026

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Terms & Conditions

Privacy Policy

Legal & Regulatory

For Banks

For Regulators

References to ‘tontine’ on this site describe the longevity-risk sharing mechanism used to adjust trust distributions; distributions are made by the trustee in accordance with the trust terms.

Tontine Trust Europe KB (“Tontine Trustees” or the "Trustee") is a Swedish authorised trust management company. We provide fiduciary trust services, including the establishment and administration of irrevocable trusts and the management of trust assets, in accordance with applicable trust laws.

We establish irrevocable lifetime Tontine trusts for clients worldwide, except where restricted by local law.

Our fintech platform enables individuals to establish an individual Tontine Trust Fund efficiently and securely. The patented platform supports trust administration, asset selection, distribution modelling in accordance with predefined trust terms and applicable fiduciary duties.

Information provided on this website or through our platforms is general information only and does not constitute personal financial, investment, legal, or tax advice. You should seek independent professional advice before making decisions.

The selection of assets held within a Tontine Trust Fund is the responsibility of the member. Tontine Trustees is not responsible for outcomes resulting from a member’s asset preferences, except to the extent required by our fiduciary duties in administering the trust.

Trust assets are subject to market risk, and losses — including loss of principal — are possible.

Any illustrations or examples of lifetime distributions shown on this website or in related materials are indicative only.
Distributions from a Tontine Trust Fund are not fixed or guaranteed and may increase or decrease over time based on factors including asset performance, longevity assumptions, and the survival experience of members within the same tontine class.

Distribution estimates are generated using probabilistic and financial models that are regularly reviewed and adjusted to reflect changing conditions. Estimates are for illustrative purposes only and are not predictions or guarantees.

Redistribution on Death

When a Tontine Trust member dies, any leftover trust balance is redistributed among the surviving members of the same Tontine Class, in accordance with predefined trust rules governing survivorship-based allocation of beneficial interests. As a result, no trust balance remains for inheritance by spouses, children, other beneficiaries, or creditors.

Members who wish to provide separately for family members should consider establishing and funding separate trusts for those individuals.