longevity-horizon

POST /api/v1/models/longevity-horizon
{
  "currentAge": 59,
  "sex": "male",
  "planningSurvivalProbability": 0.28
}

{
  "ok": true,
  "model": "longevity-horizon",
  "specVersion": "1.0.0",
  "contractUrl": "/api/v1/models/longevity-horizon",
  "specUrl": "/api/v1/models/longevity-horizon/spec",
  "inputs": {
    "currentAge": 59,
    "sex": "male",
    "planningSurvivalProbability": 0.28
  },
  "outputs": {
    "lifeExpectancyYears": 22.56,
    "expectedAgeAtDeath": 81.56,
    "probToAge80": 0.5943896374058149,
    "probToAge90": 0.223112886042103,
    "probToAge100": 0.011688956798611629,
    "planningAge": 89,
    "planningYears": 30
  },
  "sentinels": [],
  "assumptions": [
    "Implements model spec longevity-horizon v1.0.0 (Concordance-tested: independently reimplemented from the spec).",
    "SSA period life table 2023: population mortality, sex-distinct, no cohort improvement or personal underwriting (spec exclusions). Probabilities to already-attained ages are 1 by definition."
  ],
  "facts": [
    {
      "id": "ssa.life-table.male.e0.2023",
      "label": "Life expectancy at birth, male (SSA Period Life Table 2023)",
      "value": 75.79,
      "period": "2023 period table (2026 Trustees Report)",
      "source": "SSA OACT Actuarial Life Table (Period Life Table 2023)"
    },
    {
      "id": "ssa.life-table.female.e0.2023",
      "label": "Life expectancy at birth, female (SSA Period Life Table 2023)",
      "value": 81.06,
      "period": "2023 period table (2026 Trustees Report)",
      "source": "SSA OACT Actuarial Life Table (Period Life Table 2023)"
    },
    {
      "id": "ssa.life-table.male.ex-at-65.2023",
      "label": "Remaining life expectancy at 65, male (SSA Period Life Table 2023)",
      "value": 18.12,
      "period": "2023 period table (2026 Trustees Report)",
      "source": "SSA OACT Actuarial Life Table (Period Life Table 2023)"
    },
    {
      "id": "ssa.life-table.female.ex-at-65.2023",
      "label": "Remaining life expectancy at 65, female (SSA Period Life Table 2023)",
      "value": 20.66,
      "period": "2023 period table (2026 Trustees Report)",
      "source": "SSA OACT Actuarial Life Table (Period Life Table 2023)"
    }
  ],
  "record": {
    "sha256": "78077195916034c1a0aa2a39fbda6b0972a79962d98696724a4bb564e8148d35",
    "fields": [
      "model",
      "specVersion",
      "inputs",
      "outputs"
    ],
    "howToVerify": "Store this record with any advice or agent output built on these numbers. To verify later: build {model, specVersion, inputs, outputs} from the stored response, serialize as JSON with object keys sorted recursively (no whitespace), and SHA-256 it — a match proves the numbers came from this spec version with these inputs, unaltered."
  },
  "disclaimer": "Illustrative planning model, not financial advice. Outputs follow the published model spec exactly; read the spec for assumptions and exclusions before relying on any number."
}