The CLPR^TM – or Customized Longevity Planning Report^TM – is a customized, comprehensive evaluation that shows your client’s life expectancy, expressed in several ways. We believe the CLPR is the best tool on the market to help you . . .

• understand your client’s longevity and, therefore, their longevity risk (the risk of “living too long”) and their mortality risk (the risk of “dying too soon”)
• develop risk mitigation strategies
• identify financial products and services that will meet your clients’ needs.
• communicate to clients the rationale behind the strategy and recommendations you make to them.

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 the client is likely to qualify for a life settlement.

How we gather the client’s health information

Every CLPR is based on the information we gather about a client’s 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 client’s medical records.
• With the eCLPR, the information is provided by your client in an online questionnaire.

Your client’s 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 the client’s 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 client’s 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 client’s probability of living to various ages.


To create the curve, 21st Services’ MedDiag system generates a life expectancy profile for the client 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..

The client’s personal longevity curve is overlaid with a ‘standard’ longevity curve for a pool of people of the client’s age and gender who are standard according to mortality tables.



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.ÿÿÿ

CLPR Page 3: Here we note changes that could extend the client’s longevity curve, and by approximately how much. We also note behaviors which, if adopted or changed, will help the client maintain his/her health and quality of life.

Introductory Letters: Accompanying the report are introductory cover letters.

• Click here for a sample of the letter for you
• Click here for a sample of the letter for your client

What are the costs?

The CLPR’s cost varies depending on how the client’s health information is gathered:.

Standard CLPR
21st Services underwriters review your clients medical records. Cost: $295
21st can obtain your client's medical records for an additional fee.

eCLPR
The client provides the information online at our website. Cost: $30

How do you order?

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
What is a CLPR?
10 Reasons to Use the CLPR to Help You Plan
Two Financial Planning Case Studies
Sample Planning Strategies Based on the Longevity Curve
The Experts Comment on the Longevity Curve and Financial Planning
The Science of Life Expectancy at 21st Services
Our Medically Based Longevity Report vs. the Free Online Calculators
Q&A