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Calcimator

Mortality & Risk Calculator

Comprehensive actuarial calculator for mortality analysis, life expectancy, actuarial reserves, loss ratios, and underwriting risk assessment.

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How to Use This Calculator
  1. Follow the step-by-step wizard — complete each step before moving to the next. This guided approach ensures you provide all the necessary information in a logical order.
  2. Analysis Type — Calculation mode to use. Choose from: Life Expectancy, Mortality Rate, Actuarial Reserve, Loss Ratio Analysis, Underwriting Risk. default: 0.
  3. Current Age — Your current age in years. Accepts values from 0 to 100 (default: 40).
  4. Gender — Biological sex for calculation accuracy. Choose from: Male, Female. default: 0.
  5. Smoking Status — enter your preferred option from the dropdown. Choose from: Non-Smoker, Smoker. default: 0.
  6. Exercise Level — enter your preferred option from the dropdown. Choose from: None/Sedentary, Moderate, High/Active. default: 1.
  7. BMI — enter a numeric value. Accepts values from 15 to 50 (default: 25).
  8. Family Health History — enter your preferred option from the dropdown. Choose from: No major issues, Some issues, Significant issues. default: 0.
  9. Age — Age in years. Accepts values from 0 to 100 (default: 40).
  10. Gender — enter your preferred option from the dropdown. Choose from: Male, Female. default: 0.
  11. Death Benefit — enter a dollar amount. Accepts values from $10,000 to $10,000,000 (default: $100,000).
  12. Current Age — enter a numeric value. Accepts values from 18 to 80 (default: 40).
  13. Policy Age (years) — enter a numeric value. Accepts values from 0 to 50 (default: 5).
  14. Annual Premium — enter a dollar amount. Accepts values from $100 to $50,000 (default: $1,500).
  15. Interest Rate — Annual interest rate as a percentage. Accepts values from 1 % to 10 % (default: 4 %).
  16. Earned Premium — enter a dollar amount. Accepts values from $100,000 to $100,000,000 (default: $1,000,000).
  17. Incurred Losses — enter a dollar amount. Accepts values from $0 to $100,000,000 (default: $650,000).
  18. Loss Adjustment Expenses — enter a dollar amount. Accepts values from $0 to $50,000,000 (default: $100,000).
  19. Underwriting Expenses — enter a dollar amount. Accepts values from $0 to $50,000,000 (default: $200,000).
  20. Portfolio Size (policies) — enter a numeric value. Accepts values from 10 to 100,000 (default: 1,000).
  21. Average Premium — enter a dollar amount. Accepts values from $100 to $50,000 (default: $1,000).
  22. Expected Loss Ratio — enter a number in %. Accepts values from 30 % to 90 % (default: 65 %).
  23. Loss Volatility (Std Dev) — enter a number in %. Accepts values from 5 % to 50 % (default: 20 %).
  24. Once all inputs are set, review your results in the Results panel. Here's what each output means:
  25. Life Expectancy — shown as a numeric value. This is the primary result of this calculator.
  26. Deaths per 1,000 — shown as a numeric value. This is the primary result of this calculator.
  27. Actuarial Reserve — shown as a dollar amount. This is the primary result of this calculator.
  28. Combined Ratio — shown as a numeric value. This is the primary result of this calculator.
  29. 99% VaR — shown as a dollar amount. This is the primary result of this calculator.
  30. Remaining Years — shown as a numeric value.
  31. Probability to Age 80 — your calculated result.
  32. 1-Year Survival — your calculated result.
  33. Hazard Rate — shown as a numeric value.
  34. Cash Surrender Value — shown as a dollar amount.
  35. Reserve % — shown as a numeric value.
  36. Loss Ratio — shown as a numeric value.
  37. Underwriting Result — shown as a dollar amount.
  38. Assessment — your calculated result.
  39. 95% VaR — shown as a dollar amount.
  40. Required Capital — shown as a dollar amount.
  41. Return on Capital — shown as a numeric value.
  42. Check the Survival Probabilities for a detailed row-by-row breakdown. This is useful for spotting trends or finding values at specific points.
  43. Explore the related calculators below if you need deeper analysis or want to approach this topic from a different angle.
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