Lumis Life
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Lumis Life is free during our growth phase— for individuals and for advisors. We're building the most useful longevity layer in financial services first; paid team, white-label, and API plans come as that matures.

Individuals

FreeNo account, no card

Your personal, health-adjusted longevity report — life expectancy, planning horizons, and Social Security timing.

  • Full longevity report
  • Health-adjusted, not population-average
  • Results in seconds
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Advisors

Freeduring our growth phase

Unlimited health-adjusted reports for every client, white-label branding, and one-click export into eMoney, MoneyGuide, and RightCapital.

  • Unlimited client reports
  • White-label branded PDFs
  • Planning-software export
  • Per-carrier underwriting estimates
  • Team & enterprise tiers on the roadmap
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API & Enterprise

Let's talkfor platforms & carriers

Embed the longevity engine in your planning software, insurtech product, or carrier workflow.

  • Documented API
  • Custodian / CRM integrations
  • Volume & licensing terms
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Why it's free right now

Consumer longevity reports are free permanently — they're how people discover what health-adjusted planning looks like, and how advisors who use Lumis Life meet new clients. That flywheel matters more to us today than near-term revenue, so we're keeping the core free while we grow. Paid tiers will layer on capabilities (team management, white-label at scale, API access) without taking away what's free now.

Questions about volume, enterprise, or API access? Get in touch.

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JT

Jeff Ting, FSA, CFA

Fellow of the Society of Actuaries and CFA Charterholder. Jeff built Lumis Life to bring actuarial-grade longevity intelligence to financial advisors, bridging the gap between population mortality tables and individual client planning.

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See how health-adjusted life expectancy changes retirement planning outcomes.

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Longevity Calculator

Quick population-level life expectancy estimate based on SOA 2015 VBT tables.

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Lumis Life

Actuarial-grade longevity intelligence for financial advisors.

Get longevity planning insights:

Platform

  • Personal Longevity Report
  • Longevity Calculator
  • Social Security Calculator
  • Mortality Modeling
  • Strategy Comparison

Resources

  • Insights
  • Methodology & Validation
  • How It's Built
  • Carrier Comparison
  • Use Cases
  • Retirement Planning
  • Life Settlements
  • Estate Planning

Company

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  • Pricing
  • Roadmap
  • Contact

Legal

  • Privacy Policy
  • Terms of Service
  • Security

Important Disclaimer: Lumis Life provides longevity 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.

© 2026 Lumis Life. All rights reserved.

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