About the author

This site is written and maintained by Dmytro Dubina — an actuary by training and trade. Predicting how long people live, and pricing the financial consequences of being wrong, is the actuarial day job. That is an unusual seat from which to write about longevity, and it is the entire reason this site exists.

Credentials that matter for this particular subject

• Master in Mathematics (Probability & Statistics) — the toolkit behind life tables, hazard ratios and the confidence intervals you see on the results page.
• 20+ years in insurance and financial analytics — mortality is not a metaphor here; it is a thing I have priced.
• Executive MBA (Sheffield), PMP — for the business behind the maths.

Why an actuary, and why it’s different

The longevity conversation is dominated by biologists, biohackers and supplement marketers. They are frequently interesting and occasionally right, but almost none of them come from the profession whose literal job is quantifying mortality. Where a wellness site tells you a habit is “linked to longer life,” an actuary asks: how large is the hazard ratio, over what baseline, adjusted for what, and how much of it survives the confounding? That is the lens applied to every number on this site.

It also means the calculator under-promises on purpose. It is easy to build a tool that tells everyone they’ll live to 95; it is more useful to build one an actuary would sign. The methodology is public precisely so it can be checked — if you can find a genuine error in it, I want to hear about it.

Independence & disclosure

This site carries affiliate links (see the disclosure). Those links never change a number in the calculator, and there are no display ads on the results page — the moment the tool reads like a lead-generation funnel, the credibility that makes it worth anything is gone. That is a deliberate design constraint, not a courtesy.