Use cases
One engine, many decisions
Almost every financial decision in the second half of life turns on one question: how long will this specific person actually live? Lumis Life answers it — health-adjusted, validated against published literature, in seconds — and turns that answer into the decision in front of you. Here's where advisors and individuals put it to work.
Retirement income & longevity
Plan to the right horizon, not a default age 90 — and size withdrawals to a health-adjusted lifespan.
Retirement planningSocial Security timing
When to claim between 62 and 70, with spousal and survivor coordination, weighted by survival.
SS claiming calculatorInsurability & carrier fit
Which carrier is likely to offer the best underwriting class — estimated across 18 real carriers.
Carrier comparisonLife-settlement valuation
Whether to sell, hold, surrender, or exchange a policy that's no longer needed — net-of-fees DCF.
Life settlementsEstate & legacy
How long the wealth-transfer and gifting runway really is, on a health-adjusted basis.
Estate planningCoverage adequacy
Whether existing life coverage matches the health-adjusted horizon and the people who depend on it.
Run a reportLong-term-care planning
The high-LTC-risk window between the median estimate and the 90th-percentile survival age.
How it helpsCouples & survivorship
Joint, last-survivor planning and coordinated spousal Social Security for two lives, not one.
See a couple's exampleAnnuity & longevity hedging
Whether guaranteed lifetime income is good value for this client's specific longevity profile.
Longevity & annuitiesFiduciary documentation
A defensible, versioned, reproducible life-expectancy assumption behind every plan you sign.
How it's validatedDifferent people, different questions
The question changes with the person; the engine doesn't. Each of these is a live sample you can open and read — real engine output, no signup.
Emma, 35 — healthy
Insurability baseline and a long savings horizon
David & Linda, 60 & 58
Joint survivorship and Social Security coordination
Margaret, 68 — long-lived
Outliving-assets risk, delayed claiming, legacy
Robert, 78 — impaired, $1M policy
Life-settlement value vs. holding the policy
Why you can trust the number
The engine is benchmarked against published clinical literature — survival studies, SSA tables, SEER, USRDS — and every estimate is reproducible and documented. See the methodology & validation, the technology behind it, or just watch it run end-to-end.