These three profiles are fictional. The longevity projections, carrier underwriting reads, and settlement valuations are computed by the real engine against those synthetic inputs, so the shape of the output, the reasoning, and the spread across carriers match what a live client would receive.
Early-career professional, no conditions
Planning for a long retirement horizon. Never smoked, no diagnoses, stable weight. Shows what a 'super preferred' underwriting read looks like, how carriers spread on a clean file, and how Social Security claiming shifts the expected income curve.
Advanced cardiac and diabetic, $1M UL policy
$1M UL, issued 20 years ago
Severe coronary disease with two prior stents, moderate heart failure after a recent decompensation, poorly controlled type 2 diabetes on insulin, and stage 3 chronic kidney disease. Holds a $1M universal life policy originally issued preferred 20 years ago. Illustrates an impaired-risk life settlement where expected offers clear the cash surrender value, how buyer IRR assumptions move the offer, and how carriers treat a complex cardiac profile today.
Dual-income couple, $500K WL policy
$500K WL, issued 22 years ago
David had a mild single-vessel cardiac event four years ago and has been medically managed since. Linda is a never-smoker with no conditions. They hold a 22-year-old whole life policy and are evaluating joint survivorship, Social Security coordination, and whether to reallocate the policy's cash value.
Each profile runs through the same mortality engine, Social Security projections, and carrier underwriting overlays that a real submission uses. The only difference is the underlying person is invented.
Internal multipliers, weights, and parameter values are not exposed, exactly as on a live report. Condition impacts, carrier reads, and settlement math use qualitative language and standard actuarial vocabulary.
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