Longevity Risk Engine
SSA period life tables with health-status mortality adjustments. Survival probabilities and conditional longevity.
Longevity Risk Engine
We use SSA Period Life Tables (2024 edition) to compute survival probabilities by age and sex. For each user, we calculate the conditional probability of reaching ages 80, 85, and 90+ -- the ages where LTC need is highest. Health status adjustments use relative mortality multipliers from SOA LTC Experience Studies (smoker/non-smoker, BMI ranges, family history).
Remaining life expectancy at current age drives the premium payment window for LTCI strategies and the investment horizon for self-insurance strategies.