HVS’s software consists of simple and practical modules that combine actuarial expertise with longevity algorithms to analyze various disease states that determine life expectancy and medical expenses. Interactive calculation tools can be manipulated to illustrate how a multitude of variables, such as family medical history and personal wellness choices, may affect the individual investor`s future health and related expenses. HVS reports are being integrated and utilized by wellness and health insurance companies at the employee level to lower healthcare costs and improve quality and length of life.
Software Tools and Reports
- Actuarial Longevity Projections — Developed in conjunction with one of the leading healthcare actuarial firms in the country, HVS has two sets of databases that project personalized life expectancy. This is groundbreaking in the actuarial world, as historically, the data has been created at the group level and not the individual level. Longevity projections can be created with as few as 10-questions.
- Actuarial Medical Expense Projections — An additional software program that was created in a collaborative effort between the actuaries and HVS’s medical specialists is capable of calculating out-of-pocket medical expenses based on an individual’s health record.
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