Margaret Bell
Healthy retiree, exceptional family longevity
No chronic conditions, never smoked, and both parents lived into their 90s. Shows how the engine recognizes family longevity as a protective factor and projects a long planning horizon into advanced ages — the 'will I outlive my money?' case.
Health-adjusted life expectancy
age 90
22 years remaining
What this sample shows
For advisors stress-testing outliving-your-assets risk with a healthy, long-lived client, and consumers curious how family history lengthens the picture.
- 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
Open the sample views
Each view is the same page a real client or advisor would see. A sample banner stays on screen so it is always clear you are looking at a fictional profile.
Consumer longevity report
The full self-serve report: health-adjusted life expectancy, survival curve, condition impacts, what-if scenarios, Social Security comparison, and the per-carrier underwriting class estimator inline at the bottom.
Advisor + settlement view
Not applicable for this profile. This persona has no in-force policy, so there is no settlement analysis to run. See the older or mid-life profile to explore settlement output.
Questions about Margaret's sample
- Is this report based on real data?
- No. Margaret Bell is a fictional profile. Every number on the report is produced by the real Lumis Life engine running on the fictional inputs — the mortality tables (SOA 2015 VBT with MP-2021), the 18-carrier underwriting overlays, the Monte Carlo simulation, and the settlement valuation stack are the same ones a real client submission uses.
- Do I need to sign up to open the full report?
- No. The consumer longevity report and advisor plus settlement view (where applicable) are public. A sample banner stays on screen the whole time.
- How does a recovered cardiac event affect the underwriting read?
- Four years out from a single-vessel NSTEMI, medically managed on statin, aspirin, and a beta-blocker, most carriers would class David around standard-plus or standard nontobacco — not super preferred, but well away from substandard. The sample shows how the 18-carrier spread handles a well-managed post-event profile.
- What does joint survivorship change in the output?
- Joint survivorship extends the planning horizon — the relevant endpoint is last-death, not either individual's. The projection becomes a second-to-die curve with Linda's clean file dominating the tail. SS claiming coordination also changes: the higher earner's delayed claim paired with a spousal-strategy benefit produces a larger lifetime income than symmetric claiming.
Curious what the experience looks like with your own numbers? Generate a free personal longevity report. No account required.