Who should take a LongevitAge test?
People of all ages may have something useful to learn from finding their LongevitAge. But those who are likely to get the most benefit will be individuals approaching retirement or recently retired. These are people making key financial decisions now that will have major impact on their retirement years.
Clients and their advisors and asset managers can use this knowledge to take a fresh and more informed look at financial plans and projections.
In particular, LongevitAge may be a critical factor in deciding:
*The virtual age calculator was developed by Peter Russell whose site may be accessed by pasting www.peterrussell.com/Odds/VirtualAge.php into a separate browser window
How to use LongevitAge®
What is LongevitAge®?
Because of their specific health and lifestyle factors, any individual’s life expectancy is likely to be different from the average for their age and gender. LongevitAge is their actual age adjusted for that life expectancy difference.
Why is LongevitAge important to retirement planning?
Investment horizons, annuity rates and life insurance premiums all take into account average life expectancies. Knowing an individual’s LongevitAge provides information on their personalized life expectancy that can lead to better financial decisions.
Take a LongevitAge test
Many tests are available on the web under the generic terms “real age” or “virtual age”. We prefer the one designed by Peter Russell* which estimates virtual age and personal life expectancy as well. (Not available for smart phones and tablet devices.)