David & Linda Martinez
Dual-income couple, $500K WL policy
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.
Health-adjusted life expectancy
age 85
25 years remaining
Settlement offer, expected
$10K
2.0% of face
Offer range
$10K – $10K
Three buyer-IRR scenarios
Marketability
Unlikely Candidate
37/100
What this sample shows
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.
- 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
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
How the same profile appears to a financial advisor: policy details, settlement valuation across three buyer IRR scenarios, hold-vs-sell strategy comparison, and a clinical-level health breakdown.
Questions about David's sample
- Is this report based on real data?
- No. David & Linda Martinez 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.