being able to survive. We do a lot of reverse mortgages and they play a key role in helping a good % of retirees either stay retired, or retire in the first place. Them living to the age of 90 has nothing to do with it. The longer they live the more they get out of the loan. They are not personally liable for upside down equity if they live a long time, and neither are their relatives. I personally think they are a fantastic loan for a lot of seniors.