Emma Chen
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.
Health-adjusted life expectancy
age 87
52 years remaining
What this sample shows
For advisors running longevity planning with young clients, and consumers who want a baseline insurability read before applying.
- 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
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 Emma's sample
- Is this report based on real data?
- No. Emma Chen 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.
- Why would a 35-year-old care about a longevity report?
- Retirement planning, Social Security timing, and insurability baseline. At 35 the most valuable output is the shape of the survival curve — the confidence band width is narrow on a clean file and the lifetime-benefit math for delayed SS claiming is strongest when remaining years are long.
- What does 'super preferred' mean on this report?
- Super preferred is the top tier of life insurance underwriting, reserved for applicants with clean medicals, favorable labs, normal BMI, no tobacco, and strong family history. On a clean file like Emma's the 18 carriers we model converge sharply on the super-preferred tier — the distribution chart is narrow.
Curious what the experience looks like with your own numbers? Generate a free personal longevity report. No account required.