​Over the last decade, Club Vita’s innovative team has designed, built and refined a box of specialist quantitative tools for managing longevity risk.


What does it do?

VitaCurves is our statistical model of the diverse range of survival patterns that we observe in the recent past. Rather than a single table, it has 1504 different pathways depending on lifestyle, affluence, occupation and gender.

What makes it different?

What makes it different?
  • Our richer dataset (for example, including salary figures) gives a wider and more tailored spectrum (over 10 years) than alternatives;
  • By capturing the diversity, VitaCurves reduces the need for manual adjustments to standard tables (naturally, we check the performance of VitaCurves relative to your scheme’s historical experience);
  • Used by 7 out of 10 longevity insurers, it also helps you to align your assumptions with insurer pricing; and
  • Scheme specific calibrations are made available to your scheme actuary in a series of convenient formats.

More confidence in setting suitable baseline assumptions means that you can turn your attention to crafting your plan for managing the uncertainty in trends, as that’s where you can add most value. More often than not, new joiners’ deficits shrink as safety margins that have been unconsciously layered onto actuarial assumptions, where data has been lacking, can be stripped away.

Want to know more?

Find out more about how you can benefit from annual data cleansing, benchmarking of your scheme and longevity assumptions for every individual in it.