Independent analysis of long-term financial promises

Understand the value behind the promise.

Long-term financial products ask you to commit resources today for value that may not be fully visible for years. Longevity Standard helps bring more of that into view before you rely on it.

Explore LS Review How It Works

What you commit
Where value may come from
What reduces or constrains it
What ultimately reaches you

Independent by design

Independent by design.

Independent analysis focused on the people and institutions relying on the product.

Our economics are tied to doing the analysis — not to which product is chosen, how much is purchased, or whether a transaction takes place.

Our role is to examine the product, the evidence, and the conditions that determine what value may ultimately be delivered.

Independent
Tied to doing the analysis.
Evidence-led
Important findings trace back to applicable source material.
Focused on delivery
We examine what you commit, what you may receive, what can change, and what can interfere along the way.

You give up resources today. What exactly are you getting in return — and what has to happen for that value to reach you later?

Price and headline features are visible at purchase. Long-term value often is not.

LS Review

A closer look at what you are actually being offered.

Explore LS Review

LS Review starts with a real product and builds outward — from the materials in front of you to independent product, company, and source research.

The result is a clearer view of the terms, the evidence behind them, and the conditions that matter.

Identify the product
Establish the evidence
Examine what is being offered

Opening of an LS Review: a headline question, a plain-language summary, and a pathway from the amount committed through markets and insurance, costs and rules, to what can reach the owner.

The method

Start with the evidence. Follow the value.

01
Establish what applies.
- Contracts
- Forms
- Riders
- Company records
- Transaction-specific materials
These are not interchangeable. The first job is determining what evidence actually applies to the product in front of you.
02
Separate certainty from possibility.
- Guaranteed
- Changeable
- Conditional
- Unresolved
Different claims deserve different levels of confidence.
03
Follow value from commitment to delivery.
- What do you give up?
- Where can value come from?
- What absorbs or constrains it?
- What can ultimately reach you?

What If

What if the future looks different?

Long-term financial products are experienced in conditions we cannot know in advance. What If lets you change one condition and see why it could matter.

Start with a question. Change one thing. See what it could mean.

Inflation, each year 4.00%

On the statement after ten years

what it buys today lost to inflation

What buys, in today’s money

Less than the committed. At 2% inflation it would buy : the statement doesn’t change, what it buys does.

$100,000 over ten years at 6% gross, less 3.38% of recurring costs. Today’s money divides by ten years of inflation.

Gross annual return 4.00%

Ending value before recurring costs

reaches you absorbed by costs

Of the growth taken by recurring costs

At 6% it was . Recurring costs are charged on the balance, not on the return, so they don’t fall when returns do.

$100,000 over ten years with 3.38% of recurring costs — the figure in the Review above. Constant return, no withdrawals.

Live to age 95

Income received from 65 to

from your own account paid by the guarantee

Paid by the guarantee, after your account runs out

Your account runs out at . From then on the $5,000 a year comes from the insurer — the part you have been paying the rider fee for.

$100,000 at 65 with a guaranteed $5,000 a year for life, 6% gross. Contract and fund costs of 2.13% on the account, and a 1.25% rider fee on the $100,000 base — the cost layers from the same Review.

Take the money out in Year 3

Account value in year

reaches you early-access charge

Lost to the early-access charge

The charge falls each year and is gone after year seven. Left until year ten, the account would be worth .

An illustrative charge shaped like the one in the Review: 8.5% in year one, falling to nothing after year seven. 6% gross, 3.38% recurring. No free-withdrawal allowance or market value adjustment.

Explore What If

Inside the Review

See what matters more clearly.

What is promised

What the product actually commits to provide.

What can change

Rates, settings, conditions, and discretion that may vary.

Costs and access

What reduces value or limits when money can be reached.

Conditions of delivery

What must happen before particular benefits or values are available.

Who stands behind it

The institution responsible for delivering the obligation.

And what the evidence can actually establish.

Some things are known. Some can change. Some depend on the future. Some remain unresolved.

Cost is rarely one number.

A cost table listing each cost layer, how it is measured, and why it matters — contract, underlying fund, income rider, early access, distribution, and opportunity cost.

Who it’s for

One discipline. Two ways to use it.

For Individuals

Understand a product before you rely on it.

Get an independent examination of the terms, evidence, costs, conditions, and uncertainties surrounding a long-term financial product.

For Individuals

For Institutions

Understand what you are offering. Help the people relying on it understand it too.

Use independent buyer-side diligence to support evaluation, explanation, and ongoing understanding of long-term financial products.

For Institutions

Evidence

Say what the evidence supports — and show where it stops.

A long-term obligation is only as understandable as the evidence supporting it — and the institution responsible for delivering it.

LS Review — product screen, detail

Two dated capital measures for the issuer: estimated risk-based capital of 538 percent and total adjusted capital of 5.8 billion dollars.

Fig. 03

Dated issuer capital — a fact, not a conclusion

Representative public-evidence review · capital as at 30 Jun 2026

We can establish

Contractual guarantees

Current product terms

Applicable forms and riders

Current issuer information

Documented costs and restrictions

We cannot establish from the product alone

—

Future rates

—

Future inflation

—

Future markets

—

Future behavior

—

Outcomes that depend on conditions not yet known

Know more before you rely on it.

Tell us the product you are considering, or share the materials you received.

Request a Review