Insights
Longevity planning, life settlements, and actuarial insights for financial advisors.
How to Use Health-Adjusted Life Expectancy in Your Financial Plans
Stop guessing at longevity in eMoney, MoneyGuide, and RightCapital. Use Lumis Life's actuarial-grade life expectancy estimates to set precise planning horizons — in 30 seconds.
Tax Implications of Life Settlements: What Your Clients Need to Know
Life settlement proceeds are taxed under a three-tier framework that most advisors and clients misunderstand. Learn how cost basis is calculated, how policy loans complicate the picture, when a 1035 exchange is the better path, and what common misconceptions to watch for.
5 Signs Your Client Should Consider a Life Settlement
Not every life insurance policy is a candidate for a life settlement, but advisors who miss the signs leave significant value on the table. Learn the five indicators that a policy may be worth more sold than kept, how to raise the conversation, and what a responsible screening process looks like.
Life Settlement vs. Keeping the Policy: A Framework for Advisors
When should a client sell a life insurance policy versus keeping it, reducing coverage, or doing a 1035 exchange? A structured decision framework for financial advisors covering health, policy economics, client needs, and fiduciary considerations.
A Financial Advisor's Guide to Life Insurance Policy Evaluation
A structured framework for evaluating whether a client's life insurance policy still serves its purpose. Covers premium efficiency, cash surrender value ratios, carrier strength, red flags for settlement, and a 5-step evaluation process with an anonymized case study.
How to Document Longevity Assumptions for Fiduciary Compliance
Documenting the longevity assumptions behind financial recommendations is increasingly a fiduciary obligation. Learn what regulators look for, why population tables create liability, and how to build a defensible documentation framework for every client engagement.
Monte Carlo Simulation in Longevity Planning: What Advisors Need to Know
Monte Carlo simulation transforms longevity planning from a single-number guess into a probability distribution. Learn what Monte Carlo actually does, why point estimates are dangerous, how confidence intervals change planning decisions, and what advisors should look for in longevity tools.
How Longevity Risk Affects Retirement Plans
Longevity risk is the most underestimated variable in retirement planning. Learn why population-average life expectancy misleads advisors, how individual health changes withdrawal math, and what actuarial tools can do about it.
What Is Health-Adjusted Life Expectancy?
Health-adjusted life expectancy goes beyond population averages to estimate how long an individual is likely to live based on their actual health profile. Learn how actuarial tables, condition modeling, and Monte Carlo simulation produce the longevity estimates that financial advisors need.