Welcome to the SOA Research Institute International Longevity Illustrator

graphs

Why Longevity?

How long you might live (or longevity) is often misunderstood and it is one of the most important factors when planning for a secure retirement.

Longevity is different from life expectancy. Life expectancy is how long an individual of your age and sex would be anticipated to live on average, but many people will live longer than their life expectancy. Thinking about this possibility (or longevity) will help you consider the chance of running out of money during your lifetime. This tool helps you to plan by showing you how long you might live.

More

If your household involves two people, there are many possibilities. This tool helps you consider: “How long can we expect to live as a couple?” and “By how many years might one of us outlive the other?”

The Society of Actuaries Research Institute has developed this longevity illustrator as an educational tool. While it reasonably estimates longevity based on average expectations, you or your spouse or partner’s actual lifetime could be significantly longer or shorter than these estimates. The longevity illustrator is not designed to address your finances, only the length of time your financial resources might need to last.

How it works

You answer a few simple questions, and the International Longevity Illustrator shows you the probability that you (and your spouse/partner, if applicable) may live to different ages. The results can help you understand your potential risk of running out of money in retirement.

How This Tool Works

Answer Questions

1. Answer Questions

Answer a few simple questions about you and your spouse or partner, if applicable.

Calculate

2. Calculate

This tool calculates probabilities that you (and your spouse or partner, if applicable) may live to different ages.

View Results

3. View Results

Results are displayed in tables and graphs that can help you understand your potential risk of running out of money in retirement.

Let's Begin

International Longevity Illustrator Terms & Conditions of Use

By using the Society of Actuaries Research Institute International Longevity Illustrator (“Tool”), as defined below, you agree to these Terms and Conditions of Use (“Terms of Use”).

  1. DEFINITIONS
    The “Tool” shall mean the calculator of probabilities of longevity and all accompanying graphs, tables and text provided by the Society of Actuaries Research Institute (“SOA”) designed to provide individuals with perspectives on their longevity to be used online and any upgrades from time to time and any other software or documentation which enables the use of the Tool.

  2. DATA PROTECTION
    The website hosting the Tool may collect aggregate information about you and your use of the Tool and website, and send that to the SOA. The SOA may use this information to provide the services and improve our products and services in accordance with our Privacy Policy. The personal data provided to the Tool will not be collected, stored or used by the SOA in any manner whatsoever. Your use of the Tool operates as your consent to these practices.

  3. PROPRIETARY RIGHTS AND LICENCE
    All trademarks, copyright, and other intellectual property rights of any nature in the Tool together with the underlying software code are owned either directly by the SOA or by its licensors. The SOA grants you a worldwide, non-exclusive, royalty-free, revocable license to use the Tool for personal and/or educational, non-commercial use only, in accordance with these Terms of Use, provided you identify the source of the material.

  4. CONDITIONS OF USE
    You will not, nor allow third parties on your behalf, to (i) make and distribute copies of the Tool; (ii) attempt to copy, reproduce, alter, modify, reverse engineer, disassemble, decompile, transfer, exchange or translate the Tool; (iii) create derivative works of the Tool of any kind whatsoever; (iv) use the Tool in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Tool terms, or act fraudulently or maliciously for example by hacking into or inserting malicious code into the Tool or other operating systems; (v) or use the Tool in a way that could damage, disable, overburden, impair or compromise the SOA, its systems or security or interfere with other users.

    The Tool is currently made available to you for your personal and/or educational, non-commercial use. The SOA reserves the right, in its sole discretion, at any time and for any reason, to (i) amend or withdraw the Tool, (ii) change the terms and conditions upon which the Tool is provided, (iii) charge for the Tool or service provided to you in accordance with these Tool terms, (iv) or, without notice, terminate or otherwise limit your access to the Tool in the event that we believe that you are in breach of or have failed to comply with any of the Tool terms.

  5. AVAILABILITY
    The SOA will use reasonable efforts to make the Tool available at all times. However, you acknowledge the Tool may be affected by factors outside of the SOA’s reasonable control and may be rendered unavailable during periods of maintenance. The SOA does not accept any responsibility whatsoever for unavailability of the Tool, or any difficulty or inability to download or access content or any other communication system failure which may result in the Tool being unavailable.

    The SOA will provide support and/or maintenance for the Tool. Support for Tool errors or defects is available by emailing customerservice@soa.org. The SOA will not be responsible for ensuring 100% availability of the Tool, and email support is only offered from 9:00 AM - 5:00 PM U.S. Central Time (Chicago).

  6. LIMITATION OF LIABILITY
    In no event will the SOA be liable for any direct, indirect, special, punitive, exemplary or consequential losses or damages of whatsoever kind arising out of your use of or access to the Tool. The SOA is not liable to you for any damage or alteration to your equipment including but not limited to computer equipment, handheld device or mobile telephones as a result of the installation or use of the Tool.

  7. DISCLAIMER OF WARRANTIES
    You assume full responsibility for using the information provided through the Tool. The SOA makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information provided through the Tool. The SOA disclaims all responsibility for any party’s use or misuse of the Tool and for any work product generated through use or misuse of the Tool.

The SOA disclaims all express and implied warranties with regard to the Tool. The Tool is provided "as is" and "as available". THE SOA EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THE TOOL OR THE INFORMATION PRESENTED IN THE TOOL.

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