Mortality & Risk Calculator
Comprehensive actuarial calculator for mortality analysis, life expectancy, actuarial reserves, loss ratios, and underwriting risk assessment.
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Step 1 of 8
How to Use This Calculator
- Enter the applicant's age and sex.
- Select relevant medical impairments or risk factors.
- Input build (height and weight) and lifestyle factors.
- Review the mortality rating (standard, rated, or decline) and the approximate table rating.
- Use the rating to estimate additional premium loading for substandard risks.
What each input means
- Analysis Type
- Calculation mode to use.
- Current Age
- Your current age in years.
- Gender
- Biological sex for calculation accuracy.
- Age
- Age in years.
- Interest Rate
- Annual interest rate as a percentage.
How this is calculated
Worked example, using the default values
- Identify Input Parameters4 parametersAnalysis Type = 0, Current Age = 40, Gender = 0, Smoking Status = 0 = 22 input(s) provided
- Calculate Life Expectancy75 = 75
- Calculate Remaining YearsRemaining Years35 = 35
- Calculate Probability to Age 8091% = 91%
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