Conventional retirement planning
ignores the biggest variable:
you.
Health-adjusted life expectancy modeling powered by actuarial science, Monte Carlo simulation, and 73 medical conditions.
Planning for Myself
Get your personal longevity report. No account needed, results in seconds.
Get My Longevity ReportJoin 50+ advisors using actuarial-grade longevity modeling to strengthen every retirement plan
How It Works
From Health Data to Actionable Insights in Minutes
Three steps. No underwriting expertise required.
Enter Client Health Data
Select conditions from a guided checklist. No underwriting expertise needed. Or send clients an intake questionnaire and let them fill it out directly.
Get a Health-Adjusted Longevity Report
Our actuarial engine produces a survival curve, planning horizons, Monte Carlo confidence bands, Social Security claiming analysis, and a branded PDF. All in seconds.
Sample Report Dashboard
Life Expectancy
Most Likely
years old
Just To Be Safe
plan-for age
Health Profile
Insurance Readiness
Likely qualifies for better rates
What-If Scenarios
Quit smoking
From 1 pack/day
Lose 20 lb
BMI 29 → 26
Walk 30 min/day
Moderate activity
Combined Potential
+6.1 years
Planning Horizons
Just To Be Safe
90th percentile
To Be Comfortable
75th percentile
Most Likely
50th percentile
Settlement Valuation
Permanent policiesFor permanent-policy holders, we estimate secondary-market value and marketability alongside the longevity report.
Sample numbers for illustration. Your report uses your actual health profile.
Apply Insights to Every Planning Decision
Use health-adjusted planning horizons for retirement income modeling, what-if lifestyle scenarios, and Social Security claiming optimization. Export results to eMoney, MoneyGuide, or RightCapital in one click.
I started running this at my annual client review meetings a few weeks ago. Before, a traditional actuarial LE cost $800 and took three weeks, so I only ordered one when I really had to. What surprised me is the client reaction. When someone sees their own number instead of an average, they stop nodding along. Questions I've never gotten before, about Social Security, spend-down, Roth conversions, started coming up on their own.
Lead advisor, independent RIA
Midwest, ~200 client households
Built for Advisors
A Longevity Baseline for Every Client Conversation
Institutional-grade actuarial science, designed around how advisory practices actually run.
Per-Carrier Underwriting Mapping
Sample client profile
58-year-old male · BMI 29 · treated hypertension (130/85 on 1 med) · father MI at age 62 · total cholesterol 240 · non-smoker
John Hancock
Protective
Lincoln Financial
Symetra
Principal Financial
Transamerica
AGL (American General)
Nationwide
Pacific Life (Promise Term)
Prudential
North American
Legal & General America
Equitable
Ameritas
American National
Mutual of Omaha
Securian Financial
MassMutual
Top-two probability = chance of landing in the carrier's top two non-tobacco tiers. Each carrier names those tiers differently. Symetra's “Super Preferred Non-Nicotine,” Prudential's “Preferred Best,” Securian's “Preferred Select” are all normalized to a common 4-tier non-tobacco / 2-tier tobacco structure so probabilities are comparable.
Illustrative sample. Live estimates use the client's assessment plus each carrier's latest field underwriting guide.
Every Client, Every Plan
Not just settlement cases. A health-adjusted longevity baseline for retirement income, Social Security claiming, insurance coverage, estate planning, LTC, and underwriting class discussions. A 50-client book means 50 reports at annual reviews, not the handful that warranted a traditional actuarial LE.
Actuarial Depth, Results in Seconds
SOA 2015 VBT with MP-2021 improvement projections, comprehensive condition modeling with comorbidity interactions, and 10,000-scenario Monte Carlo simulation. Every assumption documented, every methodology transparent, fiduciary-ready from the moment you click export.
Your Brand, Your Workflow
Upload your firm logo and brand color. Every PDF, client email, and intake form goes out white-labeled. One click copies planning assumptions (LE, confidence range, planning horizons) straight into eMoney, MoneyGuide, or RightCapital. No re-keying, no alt-tabbing.
Inbound Client Flow
When consumers run free longevity reports, advisor cards matched to their location, credentials, and planning needs are surfaced alongside the results. Your profile appears automatically, no extra marketing lift, and you respond to pre-qualified interest from people already thinking about longevity planning.
By the Numbers
5-8 yr
Average LE gap vs. SSA
for clients with 2+ chronic conditions
1-2%
Withdrawal rate shift
when planning horizon is health-adjusted
8 yr
SS claiming age swing
between healthiest and most impaired profiles
$0
Cost per report
vs. $500-$1,500 for traditional actuarial LE reports
Here's what that gap looks like across four health profiles
Security & Privacy
How We Protect Your Data
Built for financial professionals who handle sensitive client information.
Encrypted & Deletable
All health data is encrypted in transit and at rest using industry-standard encryption. Clients or advisors can request data deletion at any time. When it's gone, it's gone.
Privacy by Design
Clients self-report through a secure intake form. You see actuarial results, not diagnoses or medical records. No HIPAA authorization needed because no protected health information is stored.
Why Lumis Life
Built by an Actuary, for Advisors
Lumis Life was built by a credentialed actuary, CFA charterholder, and financial planner who spent years pricing large-scale transactions at the largest institutions in the insurance industry.
Until now, advisors had no affordable way to get health-adjusted life expectancy analysis for their clients. This platform delivers institutional-quality analysis in seconds, with every assumption documented, every methodology transparent, and every report built on the same actuarial science used by reinsurers and institutional investors.
Insights
Longevity Planning Research
Actuarial analysis and practical frameworks for advisors who want better longevity assumptions in every plan.
Why SSA Life Tables Fail Your Clients
SSA tables treat every 65-year-old the same. Health-adjusted life expectancy can differ by 15+ years. See how population averages mislead retirement plans.
12 min readAdvisor GuideThe Complete Guide to Longevity Planning
A step-by-step guide to integrating health-adjusted life expectancy into your advisory practice, from gathering health data to setting planning horizons.
14 min readSocial SecurityHow Life Expectancy Changes SS Claiming Strategy
The optimal claiming age depends on how long you'll actually live. See how health-adjusted LE shifts the breakeven math for different health profiles.
11 min readFAQ
Common Questions
Yes. Longevity reports are useful for retirement income planning, insurance coverage reviews, estate planning, long-term care discussions, and Social Security timing. Any conversation where how long a client will live affects the recommendation.
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All health data encrypted in transit and at rest. You never see client medical details.