Actuarial Valuation Factor Service

Forward outlook

Prediction

Horizon: 20 years
Recommended use: Estate planning valuation

Methodology

How it's built

Standard actuarial PV from §7520 rate + 2010CM mortality

IRS §7520 TablesSOA tables

Version v2023.1 · validated to beat a naive baseline · benchmark: Brentmark / NumberCruncher (paid software)

Sample response

The object an agent receives

One call returns the answer with its reasoning attached. This is the live sample from build/samples/ADW-012.json.

GET /v1/intelligence/adw-012

{
  "product_id": "ADW-012",
  "entity": "age=65, term=20, 7520_rate=5.4%",
  "score": 0.85,
  "trend": "stable",
  "confidence": 0.99,
  "top_drivers": [
    {
      "factor": "Interest rate environment",
      "contribution": 0.6
    },
    {
      "factor": "Mortality improvement",
      "contribution": 0.25
    }
  ],
  "prediction_horizon": "20 years",
  "recommended_use": "Estate planning valuation",
  "methodology_version": "v2023.1",
  "freshness": "2026-06-01T06:00:00Z",
  "coverage": "US Federal Tax Code",
  "annuity_factor": 11.245,
  "life_estate_factor": 0.482,
  "remainder_factor": 0.518,
  "present_value": 482000,
  "table_version": "2023 PMCT",
  "source_lineage": [
    "IRS §7520 Tables",
    "SOA tables"
  ],
  "allowed_use": "evaluation, commercial"
}

IOM schema