About Lumis Life
Lumis Life brings actuarial-grade longevity intelligence to financial advisors — making retirement planning more precise, documentation more defensible, and client conversations more meaningful.
The Problem
Financial planning relies on life expectancy assumptions, yet most advisors use crude rules of thumb: “plan to age 90” or “add 5 years to the average.” These one-size-fits-all estimates ignore the single biggest variable in any long-term financial plan — how long the client will actually live.
Traditional actuarial life expectancy reports cost thousands of dollars and take weeks. They’re designed for life settlement transactions, not everyday financial planning. The result: advisors either overspend on a report they don’t need, or they skip personalized longevity analysis entirely.
Our Solution
Lumis Life delivers health-adjusted life expectancy reports in seconds, not weeks. Our analytics engine models comprehensive health condition profiles with comorbidity interactions, severity assessments, treatment improvement factors, and functional status — built on the SOA 2015 Valuation Basic Table (VBT) with MP-2021 mortality improvement projections.
Every report includes Monte Carlo simulations producing survival fan charts with confidence bands, planning horizon recommendations, sensitivity analysis across multiple scenarios, and branded PDF output ready for client meetings.
Beyond Longevity Reports
When a longevity report reveals significantly impaired health, Lumis Life can upgrade to a full settlement assessment — comparing strategies (Hold, Settle, Reduce, 1035 Exchange), scoring marketability, evaluating suitability, and optionally connecting advisors with licensed settlement brokers through our marketplace.
The Founder
Jeff Ting, FSA, CFA, CFP
Jeff is a Fellow of the Society of Actuaries (FSA), CFA Charterholder, and Certified Financial Planner (CFP). He built Lumis Life to bridge the gap between deep actuarial science and the practical needs of financial advisors — bringing institutional-grade mortality analytics to every practice, regardless of size.
Our Methodology
Our analytics engine is built on established actuarial standards:
- SOA 2015 VBT — The standard mortality table used for U.S. life insurance valuation, providing base mortality rates by age, gender, and smoking status.
- MP-2021 Improvement Scale — Projects expected future mortality improvements, so estimates reflect ongoing gains in medical care and public health.
- Comprehensive condition modeling — Health conditions across multiple clinical categories are modeled with severity levels and comorbidity interactions.
- Monte Carlo simulation — Thousands of stochastic simulations produce confidence-banded survival distributions, not just a single point estimate.
Built for Advisors
Lumis Life is designed for RIAs, financial planners, wealth managers, and insurance professionals who want to incorporate personalized longevity into their practice. Whether you’re planning retirement income, evaluating life insurance, sizing annuity purchases, or considering life settlements — longevity intelligence makes every recommendation more defensible.