Basic/Actuarial Life Expectancy is determined by the IRS and the Social Security Administration. But actual longevity is based on numerous health and lifestyle factors that basic/actuarial tables don’t take into account. Below are some of the best longevity calculators:
Blueprint Income Longevity Calculator : The Blueprint Income life expectancy calculator has a great, easy-to-use interface and interesting outputs. Developed by a Professor at the University of Pennsylvania’s Wharton School of Business. This calculator uses a detailed statistical analysis of NIH-AARP data and is sometimes called the Wharton Life Expectancy Calculator.
LifeSpan Calculator from Northwestern Mutual: Every time you answer one of the 14 questions on this easy-to-use life expectancy calculator, your estimated longevity is updated. This is great feedback for seeing how lifestyle choices and health factors impact how long you will live.
John Hancock Longevity Calculator: This calculator includes questions about your blood pressure and cholesterol, making it seem extra accurate.
Big Life Longevity Calculator: Big Life asks specifics about different kinds of physical activity as well as collecting details about how much fruit and vegetables you eat each week — in addition to the normal questions.
Actuaries Longevity Illustrator: You answer questions about your health, smoking habits, and demographic characteristics. From the American Academy of Actuaries and Society of Actuaries.
Medical Life Expectancy Calculators: If you have a specific disease or condition, you might want to use a life expectancy calculator specific to your medical situation. While highly relevant, most of these are actually intended to be used by doctors. However, if applicable, you might try one of the following:
- Seattle Heart Failure Model
- 5 Year Stroke Risk
- Cardiovascular Health
- Breast Cancer Risk Assessment Tool
NOTE: All of the above calculators are based on real data. However, it is important to note that these calculators all provide estimates only. They use averages and historical data to make projections. You, of course, are completely unique and there is no predicting the future.
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