Actuarial-grade longevity analytics
Conventional retirement planning
ignores the biggest variable: you.
Actuarial-grade, health-adjusted life expectancy in seconds — so retirement, insurance, and Social Security decisions are built on real health, not a population average.
Free for everyone · Advisors run unlimited client reports · Individuals need no account
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. See full sample reports →
How it works
From health data to a defensible plan, 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.
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.
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.
One engine, every longevity decision
The same validated mortality engine powers the decisions that hinge on how long someone will actually live — across retirement, insurance, settlements, Social Security, and estate planning.
Validated, not asserted
Actuarial depth you can verify
No black box. The methodology is documented, the engine is benchmarked against published literature, and you can run it yourself before you ever create an account.
118 / 119
Benchmark cases in published ranges
every case cited, with Monte Carlo confidence intervals
65
Health conditions modeled
across 15 clinical categories
80
Comorbidity interactions
worse-than-additive condition pairs
18
Carriers underwriting-mapped
to one canonical class taxonomy
Built by an FSA + CFA actuary who spent years pricing large-scale transactions at the largest institutions in the insurance industry. Meet the founder
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.
The thesis is simple: longevity is the one variable nearly every financial plan depends on and almost none of them actually model. As millions of Americans reach retirement each year, planning to a population-average age quietly mis-sizes income, insurance, and legacy decisions. Lumis Life exists to make a health-adjusted, defensible life expectancy the default input behind each of those decisions — for the advisor and the individual alike.
Want the details? See how the engine is validated against published clinical literature, or how the platform is built.
How we protect your data
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.
Insights
Longevity planning research
Actuarial analysis and practical frameworks for advisors who want better longevity assumptions in every plan.
FAQ
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.
Run your first report today.
Unlimited longevity reports. No credit card required.
All health data encrypted in transit and at rest. You never see client medical details.
Longevity insights for advisors, monthly
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