Estimated Longevity
An accurate "live to age" is extremely important in our calculations.
In the application page you can:
For best results from this Application, we recommend option 3. When you are done with the third-party questionnaire, please copy the estimated age and paste it into the appropriate entry blank below.
How long will you live?
3rd Party Longevity Websites
The most important input in the evaluation of a Variable Deferred Annuity is how long the Insured(s) will live. This is especially true for income options such as Annuitization and Guaranteed Income Benefits.
In addition, this is the one area where the policyholder has a big advantage over the Insurance Company. In general, a policyholder has a more complete picture of their current health and lifestyle that are important predictors for longevity.
There are several 3rd party websites that do a very good job at predicting your longevity. They accomplish this by asking questions about your vital statistics and lifestyle habits such as weight, smoker status, alcohol consumption, family history etc.
In keeping with its Privacy Policy, InjAnnuity.Inc. will only estimate longevity for you, based on your current age and gender, using published Social Security Longevity tables. This produces an average expectancy that does not consider other important personal information. Because of this we recommend that the user visit one of these third-party websites and fill in their questionnaires to get a more accurate answer for their longevity estimate.
There are several Longevity Websites available such as:
Please note that DARMA™ does not have access to any of the information that you provide to these third-Party Websites and only requires that you enter (or Copy & Paste) the "Live-To-Age" produced by their questionnaires.
Currently DARMA™ provides a direct link to the Northwestern Mutual App, listed above, at the point the system asks for this information.
An accurate "live to age" is extremely important in our calculations.
In the application page you can:
- Enter your own estimate(s).
- Enter zero to have InjAnnuity calculate its own estimate. Consistent with our privacy policy, our estimate uses Social Security tables, which are based on gender and current age only.
- Use any third-party Lifestyle questionnaire (like the ones below), for greater accuracy, as they are based on more details about your vital statistics and habits. Taken together, these are better predictors. *
For best results from this Application, we recommend option 3. When you are done with the third-party questionnaire, please copy the estimated age and paste it into the appropriate entry blank below.
How long will you live?
3rd Party Longevity Websites
The most important input in the evaluation of a Variable Deferred Annuity is how long the Insured(s) will live. This is especially true for income options such as Annuitization and Guaranteed Income Benefits.
In addition, this is the one area where the policyholder has a big advantage over the Insurance Company. In general, a policyholder has a more complete picture of their current health and lifestyle that are important predictors for longevity.
There are several 3rd party websites that do a very good job at predicting your longevity. They accomplish this by asking questions about your vital statistics and lifestyle habits such as weight, smoker status, alcohol consumption, family history etc.
In keeping with its Privacy Policy, InjAnnuity.Inc. will only estimate longevity for you, based on your current age and gender, using published Social Security Longevity tables. This produces an average expectancy that does not consider other important personal information. Because of this we recommend that the user visit one of these third-party websites and fill in their questionnaires to get a more accurate answer for their longevity estimate.
There are several Longevity Websites available such as:
Please note that DARMA™ does not have access to any of the information that you provide to these third-Party Websites and only requires that you enter (or Copy & Paste) the "Live-To-Age" produced by their questionnaires.
Currently DARMA™ provides a direct link to the Northwestern Mutual App, listed above, at the point the system asks for this information.
