In the chart below, under “Person 1,” enter your name and date of birth. If you want the illustrations to start later than your current age, enter that age; otherwise leave that blank and the illustrations will start at your nearest current age. Also enter your gender, whether you smoke and your general state of health. For your spouse/partner enter the same information (except for the age at which the calculations are to start) in the “Person 2” column. The age for your spouse/partner is set to his or her nearest age at the time the illustrations will start. If you are single or do not wish to use the joint-life features in the program, leave the “Person 2” entries blank.

You can always come back to this page to see how a change in what you enter affects the subsequent answers. In fact, you might find it very informative to see how the results change when you enter different ages and/or health statuses.

Person 1
Person 2

The Longevity Illustrator calculates "Nearest Age" as the whole age you are closest to. For half the year, Nearest Age will be greater than your age on your last birthday. Please set your Illustration Age at least as great as your Nearest Age. If you leave the Illustration Age box blank, the tool automatically calculates longevity information from your Nearest Age. The Illustration Age will be rejected if it exceeds 99 or if the selection would cause Person 2 to be older than 99.

If you are already retired, or are considering retiring soon, you might choose to leave the Illustration Age box blank. However, if you expect to retire at a later date, or you are curious to know what your longevity might look like at some point in the future, you may enter a later age for the illustration to begin. In this case, the tool will assume you will survive to that later age.

For example, if your Nearest Age is 40 and you plan to retire at age 66, then entering age 66 as the age for the illustration to start will forecast results assuming you survive from now until age 66. The Longevity Illustrator allows you to experiment with different possibilities you might find interesting (if, for example, you are considering several different ages at which you might retire).

If you have smoked during the past 12 months, answer “yes.” If you have not smoked within five years, answer “no.” If your experience is somewhere in the middle, you can use the Longevity Illustrator twice, once answering yes, then again answering no, to get a sense of how the results change.

Please assess your own health in very general terms. Think in terms of comparing your state of health to that of other people the same age as you, rather than the health of the general population. For instance, a very fit 75-year-old might answer “excellent” if he or she is in very good health compared to other 75-year-olds. Similarly, if you are a smoker, compare your health to that of other smokers. You could rate yourself "excellent" if your health is much better than other smokers your age. You are free to revise your answer to see how it changes the results.

Longevity depends on many factors, such as lifestyle and genetics. However, these four pieces of information have been shown to produce reasonable approximations of an individual’s longevity.