The answer is Longevity Insurance - a type of insurance that is paid only if you live long enough! You set the age that you want the payout, and then you try to be healthy enough to life that long! Maybe the gift box is your birthday present, as you celebrate another year closer to your Longevity Insurance payout. In modern terms, Longevity Insurance is called an Annuity (or an Advanced Life Deferred Annuity, to be exact). Longevity is a catchier title.