In the chart below, under “Person 1,” enter your name, date of birth and expected retirement age. Leave your retirement age blank if you are already retired or want to see illustrations starting at your current age. Your retirement age must be 99 or less. Note that the illustration will assume that you will live until your retirement age. For example, if you are age 40 and you enter 66 as your retirement age, the illustration will assume that you live until age 66.
Next, enter your gender, whether you smoke and your general state of health. You can find definitions for smoking and general health by clicking on the questions to the right of the chart. You have the option to enter similar information for your spouse/partner to obtain an illustration of your combined longevity. In that case, your spouse/partner’s retirement age will be calculated as of your expected retirement age; it must also be 99 or less as of your expected retirement age. And the illustration will also assume that your spouse/partner will live until that retirement age.
You can always come back to this page to see how a change in what you have entered affects the illustrations. In fact, you might find it very informative to see how the results change when you enter different retirement ages and/or health statuses.
The ALI uses the following Center for Disease Control (CDC) definition of smoking: consider yourself a smoker if you use either every day or some days at least one tobacco product: cigarettes; cigars, cigarillos, or filtered little cigars; pipes, water pipes, or hookahs; e-cigarettes; smokeless tobacco. For cigarettes only, consider yourself a smoker if you have smoked at least 100 cigarettes during your lifetime and now smoke cigarettes either every day or some days.* If your smoking habits fit the low end of this definition, you may want to use the ALI twice, once answering yes and then again answering no, to get a sense of how the results change.
* Centers for Disease Control and Prevention, "Tobacco Product Use Among Adults - United States, 2017", Morbidity and Mortality Weekly Report, Nov. 9, 2018, Vol. 67, No. 44, https://www.cdc.gov/mmwr/volumes/67/wr/pdfs/mm6744a2-H.pdf
For this ALI, smoking includes electronic cigarettes; it also includes chewing tobacco.
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 and smoking status as you, rather than the health of the general population. You are free to revise your answer to see how it changes the results.
In addition to those considered in the ALI, longevity depends on many factors. These include: availability and access to health care, current medical conditions, exposure to environmental toxins, family history, geography, income, life style and occupation. While these all affect longevity, many of them are reflected in your health status. The four factors chosen for the ALI (age, gender, smoking and health) have been shown to account for a significant amount of the individual variations in longevity. While these four pieces of information have been shown to produce reasonable approximations of an individual’s longevity,* you or your spouse/partner’s actual lifetime can differ significantly from these estimates, either above or below.
* Society of Actuaries, 2015 Valuation Basic Report, Sept. 13, 2018, https://www.soa.org/resources/experience-studies/2015/2015-valuation-basic-tables
The ALI neither saves nor shares the data that you enter and the associated results.