The CLPR
TM – or Customized Longevity Planning
Report
TM – is a customized, comprehensive
evaluation that shows your life expectancy, expressed in several ways.
We believe the CLPR is the best tool on the market to help you . . .
- understand your longevity and, therefore, your longevity risk (the risk of “living
too long”) and your mortality risk (the risk of “dying too soon”)
- develop risk mitigation strategies with the help of your financial advisor.
- identify financial products and services that will meet your needs, again with the
help of your financial advisor.
Both the Standard CLPR and eCLPR show results in the same informative format.
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The CLPR is a variation of the life expectancy certificate we produce for our life
settlement clients. In fact, it can serve as a preliminary screen to determine whether
you are likely to qualify for a life settlement.
How we gather your health information
Every CLPR is based on the information we gather about your specific medical, family
and personal history, along with pertinent information about health habits and lifestyle.
We gather it in several ways.
- With the Standard CLPR, the information
is gleaned by our underwriters from copies of your medical records from the past
five years.
- With the eCLPR, the information is provided
by you in an online questionnaire.
Your health information is run through MedDiag, our sophisticated, proprietary software
program, for a sensitive weighting of hundreds of data points as debits and credits.
MedDiag generates the CLPR report.
Click for more
information about MedDiag.
Contents of the CLPR
The report we generate provides several perspectives on your likely longevity. Click
on the pictures at the left to see full, annotated views of the CLPR pages.
CLPR Page 1: The
focal point on the first page of the CLPR is your longevity curve, focusing on the
median point (50% probability of survival) and the points at which the probability
of survival is 30% and 10%. The table to the right of the curve diagram shows the
probability of living to various ages.
To create the curve, 21st Services’ MedDiag system generates a life expectancy profile
for you and a statistical pool of 1,000 perfect replicas. It then calculates the
likelihood that those in this statistical group will be alive in each year going
forward..
Your personal longevity curve is overlaid with a ‘standard’ longevity curve for
a pool of people of your age and gender who are standard according to mortality
tables.
The longevity curve chart and survival probabilities chart are the focal point of
page 1 of the CLPR.
CLPR Page 2:
The factors identified in our medical/health/lifestyle analysis that impacted the
life expectancy calculation are listed on page 2 of the CLPR.
CLPR Page 3:
Here we note changes that could extend your longevity curve, and by approximately
how much. We also note behaviors which, if adopted or changed, will help you maintain
your health and quality of life.
Introductory Letter:
Click here for a sample of the letter.
What are the costs?
The CLPR’s cost varies depending on how your health information is gathered:.
Standard CLPR
21st Services underwriters review your medical records. Cost: $295
21st can obtain your medical records for an additional fee.
eCLPR
You provide the information online at our website. Cost: $30
How do you order?
ORDER NOW
Click here to see CLPR options and start the ordering process.
Explore these topics on the CLPR
and its fit with financial planning:
CLPR introductory video by 21st Services
co-founder Paul Kirkman
CLPR introductory
message
Two Financial Planning Case Studies
Sample Planning Strategies Based on the Longevity
Curve
The Science of Life Expectancy at 21st Services
Our Medically Based
Longevity Report vs. the Free Online Calculators