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Actuarial-grade analysis

How Long Will You Really Live?

Get a personalized, health-adjusted life expectancy based on your specific conditions, medications, and family history — not just population averages.

Start Your Assessment$14.99 · Results in seconds

Traditional actuarial LE reports cost $500–$1,500 and take weeks.

What's in Your Report

Health-Adjusted Life Expectancy

Your personalized estimate based on 57 medical conditions with severity grading and comorbidity interactions.

Survival Probability Curves

Monte Carlo simulation with 10,000 scenarios showing your probability of surviving to each future age.

Planning Horizons

Key percentile ages for retirement, estate, and financial planning — including 90% confidence intervals.

How It Works

1

Complete the Health Assessment

Answer questions about your demographics, health conditions, medications, and family history. Takes about 10 minutes.

2

Secure Payment

One-time payment of $14.99. Your health data is encrypted and never shared.

3

Get Your Results

Your personalized report generates instantly with life expectancy, survival curves, and planning horizons.

Start Your Assessment

Built on Actuarial Science

Foundation

  • SOA 2015 VBT mortality tables
  • MP-2021 mortality improvement scales
  • 10,000-scenario Monte Carlo simulation

Health Modeling

  • 57 medical conditions modeled
  • Severity grading (mild/moderate/severe)
  • Comorbidity interaction effects

Important: This report is for informational and planning purposes only. It is not a medical diagnosis, prognosis, or substitute for professional medical advice. Results are based on population-level actuarial data adjusted for your health profile. Always consult your healthcare provider for medical questions and your financial advisor for planning decisions.

Lumis Life

Actuarial-grade longevity intelligence for financial advisors.

Get longevity planning insights:

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  • Mortality Modeling
  • Strategy Comparison

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Important Disclaimer: Lumis Life provides life settlement analytics and decision support tools for financial professionals. The information and analysis provided on this platform are for informational purposes only and do not constitute an offer, solicitation, or recommendation to buy or sell any security or insurance product.

All models and projections involve assumptions and simplifications that may not reflect individual circumstances. Mortality estimates are based on actuarial models and should not be interpreted as medical diagnoses or prognoses. Always consult with qualified legal, tax, and financial professionals before making decisions.

Lumis Life is not a life settlement broker, dealer, or provider. We do not buy, sell, or facilitate the sale of life insurance policies. Life settlement analytics are provided to help advisors evaluate policy options.

This platform is not HIPAA-compliant and does not provide medical advice, diagnosis, or treatment. Health-related data entered into assessments is used solely for actuarial modeling purposes. Users are responsible for ensuring they have appropriate authorization before entering health data about third parties.

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