FICTIONAL PROFILES. REAL ENGINE OUTPUT.

See what Lumis Life actually produces.

Every number below is live engine output — health-adjusted life expectancy from SOA 2015 VBT with Monte Carlo, a per-carrier underwriting read across 18 real carriers, and a DCF-based settlement valuation net of fees. The inputs are fictional. The math is the same math a live client gets.

Fictional profiles

Carriers compared

Buyer IRR scenarios

Sign-up required

None

Emma Chen

Age 35

Early-career professional, no conditions

See what a clean, insurable file looks like when the engine has high conviction.

Super-preferred tier peaks sharply — carriers converge on the top tier
Long planning horizon with a tight 90% confidence band
Delayed Social Security produces the largest lifetime benefit

Longevity planningSocial Security timingInsurability baseline

Life expectancy

age 87

52 yr remaining

Open this profile

Longevity report

Robert Harris

Age 78

Advanced cardiac and diabetic, $1M UL policy

$1M UL, issued 20 years ago

See an impaired-risk settlement that clears the cash surrender value — with the three buyer-IRR scenarios visible side-by-side.

Expected settlement offer clears the policy's cash surrender value
Carrier distribution spreads across substandard tiers — no single read
Strategy grid ranks sell, hold, and surrender on after-tax NPV

Impaired-risk settlementHold vs sell trade-offCarrier underwriting spread

Life expectancy

age 84

6 yr remaining

Settlement, expected

$381K

38.1% of face

Marketability

Strong Candidate

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Longevity report Advisor + settlement view

David & Linda Martinez

Ages 60 & 58

Dual-income couple, $500K WL policy

$500K WL, issued 22 years ago

See how a recovered cardiac event shifts the engine's read, with joint survivorship and SS coordination on top.

Underwriting read lands around standard-plus — recovered event priced in
Joint survivorship curve extends horizon versus single-life projection
Higher earner's SS claim at 70 pairs with spousal-strategy benefit

Joint survivorshipSS claiming coordinationEstate planning

Life expectancy

age 85

25 yr remaining

Settlement, expected

$10K

2.0% of face

Marketability

Unlikely Candidate

Open this profile

Longevity report Advisor + settlement view

Margaret Bell

Age 68

Healthy retiree, exceptional family longevity

See how strong family longevity and a clean health profile push the planning horizon into advanced ages.

Family longevity surfaces as a protective factor, not a risk
Planning horizon extends well past population averages
Delaying Social Security to 70 maximizes lifetime benefit over a long horizon

Longevity planningSocial Security timingOutliving-assets risk

Life expectancy

age 90

22 yr remaining

Open this profile

Longevity report

What each sample actually shows

The profiles are deliberately different shapes so you can see how the same engine responds to different clinical and policy pictures. Pick the one closest to the case you want to pressure-test.

Age 35

Emma Chen

For advisors running longevity planning with young clients, and consumers who want a baseline insurability read before applying.

Age 78

Robert Harris

For advisors with an older client holding a legacy UL or GUL policy who are weighing hold vs surrender vs settlement. Shows the valuation math and the carrier spread on a complex cardiac + diabetic file.

Ages 60 & 58

David & Linda Martinez

For advisors running joint retirement planning on a married couple with legacy whole life. Shows how carriers treat a well-managed event years out and the SS claiming coordination math.

Age 68

Margaret Bell

For advisors stress-testing outliving-your-assets risk with a healthy, long-lived client, and consumers curious how family history lengthens the picture.

What you are looking at

Each profile runs through the same SOA 2015 VBT mortality engine, Social Security projections, 18-carrier underwriting estimator, and DCF settlement valuation that a real submission uses. The only difference is the underlying person is invented.

What is redacted

Internal multipliers, weights, and parameter values are never exposed, exactly as on a live report. Condition impacts, carrier reads, and settlement math use qualitative language and standard actuarial vocabulary.

Ready to run your own?

A personal longevity report is free, no account required. Advisors get unlimited reports for their clients after a free sign-up.

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Frequently asked questions

Are the Lumis Life sample reports real?: The profiles are fictional, but every number is produced by the same mortality engine, 18-carrier underwriting estimator, Social Security engine, and settlement valuation stack that a real client submission uses. We seed the database with the fictional inputs and then process them end-to-end — we do not hand-write the outputs.
Do I need to sign up to view the example reports?: No. The samples are public. You can open the full consumer longevity report and the advisor plus settlement view without creating an account. A sample banner stays on screen so it's always clear you're looking at a fictional profile.
What does each sample persona show?: Emma Chen (age 35, no conditions) shows a clean super-preferred underwriting read and a long planning horizon. Robert Harris (age 78, advanced cardiac and diabetic, $1M UL) shows an impaired-risk life settlement that clears the cash surrender value. David and Linda Martinez (ages 60 and 58, $500K whole life) show joint survivorship and Social Security claiming coordination after a recovered cardiac event. Margaret Bell (age 68, healthy with strong family longevity) shows how the engine recognizes a protective family-history factor and projects a long horizon into advanced ages.
Which mortality tables and underwriting guides drive the output?: Longevity projections use SOA 2015 VBT with MP-2021 improvement scales and Monte Carlo simulation. Underwriting reads come from 18 real carrier field guides (Lincoln, Protective, Prudential, John Hancock, MassMutual, Pacific Life, and others), normalized to a canonical 10-class taxonomy. Settlement valuation uses buyer IRR scenarios at 11, 13, and 16 percent with a $15K fixed fee, 1 percent face provider fee, and 20 percent broker commission.
Can I generate a report on my own inputs?: Yes. A personal longevity report at lumislife.com/get-report is free and requires no account. Advisors get unlimited reports for their clients after a free sign-up.
What is redacted on the sample reports?: Internal mortality multipliers, per-condition weights, and engine parameter values are never exposed — identically to a live client report. Condition impacts, carrier reads, and settlement math are expressed in qualitative language and standard actuarial vocabulary. The trade-secret guard that protects a live report applies to the samples too.

See what Lumis Life actually produces.

Fictional profiles

Carriers compared

Buyer IRR scenarios

Sign-up required

None

What each sample actually shows

The profiles are deliberately different shapes so you can see how the same engine responds to different clinical and policy pictures. Pick the one closest to the case you want to pressure-test.

Age 35

Emma Chen

For advisors running longevity planning with young clients, and consumers who want a baseline insurability read before applying.

Age 78

Robert Harris

Ages 60 & 58

David & Linda Martinez

For advisors running joint retirement planning on a married couple with legacy whole life. Shows how carriers treat a well-managed event years out and the SS claiming coordination math.

Age 68

Margaret Bell

For advisors stress-testing outliving-your-assets risk with a healthy, long-lived client, and consumers curious how family history lengthens the picture.

Frequently asked questions

Are the Lumis Life sample reports real?

The profiles are fictional, but every number is produced by the same mortality engine, 18-carrier underwriting estimator, Social Security engine, and settlement valuation stack that a real client submission uses. We seed the database with the fictional inputs and then process them end-to-end — we do not hand-write the outputs.

Do I need to sign up to view the example reports?

No. The samples are public. You can open the full consumer longevity report and the advisor plus settlement view without creating an account. A sample banner stays on screen so it's always clear you're looking at a fictional profile.

What does each sample persona show?

Emma Chen (age 35, no conditions) shows a clean super-preferred underwriting read and a long planning horizon. Robert Harris (age 78, advanced cardiac and diabetic, $1M UL) shows an impaired-risk life settlement that clears the cash surrender value. David and Linda Martinez (ages 60 and 58, $500K whole life) show joint survivorship and Social Security claiming coordination after a recovered cardiac event. Margaret Bell (age 68, healthy with strong family longevity) shows how the engine recognizes a protective family-history factor and projects a long horizon into advanced ages.

Which mortality tables and underwriting guides drive the output?

Longevity projections use SOA 2015 VBT with MP-2021 improvement scales and Monte Carlo simulation. Underwriting reads come from 18 real carrier field guides (Lincoln, Protective, Prudential, John Hancock, MassMutual, Pacific Life, and others), normalized to a canonical 10-class taxonomy. Settlement valuation uses buyer IRR scenarios at 11, 13, and 16 percent with a $15K fixed fee, 1 percent face provider fee, and 20 percent broker commission.

Can I generate a report on my own inputs?

Yes. A personal longevity report at lumislife.com/get-report is free and requires no account. Advisors get unlimited reports for their clients after a free sign-up.

What is redacted on the sample reports?

Internal mortality multipliers, per-condition weights, and engine parameter values are never exposed — identically to a live client report. Condition impacts, carrier reads, and settlement math are expressed in qualitative language and standard actuarial vocabulary. The trade-secret guard that protects a live report applies to the samples too.