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Life Expectancy Calculator

Our calculator will provide you with the remaining life expectancy of the average Canadian of a particular age and gender, based on the most recent Statistics Canada life expectancy data*.






*Source:  Statistics Canada, Life Table for Canada (2020-2022).


0 yrs
99 yrs
40 Yrs


A 40 year old male is expected to live another

Life expectancy before age 65 is years.

Calculate Present Value:

To Life Expectancy To Age 65

Present Value Calculator

Our immediate present value calculator will provide you with the approximate present value of a future stream of $xxx.xx per year, paid monthly, for a given number of years. You will need to select the appropriate discount rate depending on the type of payments (level or indexed) to be made.

For tort claims in Ontario, the discount rate is set annually as per Rule 53.09 of the Ontario Rules of Civil Procedure and is noted as ON in the discount rate drop-down list.


Present Value Results:

The Present Value of $2500 per year, paid monthly, for 10 years using a discount rate of 3.00% is $21617.17

Court Award Inflation Calculator


Our calculator will provide the current value of a past Court award adjusted for inflation. The current value is calculated using the most recent Consumer Price Index data available. If you are unsure of the month of the Court Award, you can select the Average annual option ("Use Avg. Ann.").


A $ Court award in , adjusted for
inflation*, would be equivalent to $ in
of .


*Calculated using the Consumer Price Index for Canada, all-items, not seasonally adjusted historical data (2002 = 100).

We believe that our commitment to the long-term benefits everyone

McKellar Structured Settlements Inc. (“McKellar”) is committed to excellence in serving all clients, including people with disabilities.

Assistive devices

We are committed to serving people with disabilities who use assistive devices to obtain, use or benefit from our services. 


We will communicate with people with disabilities in ways that accommodate their disability.

Service animals

We welcome people with disabilities and their service animals. Service animals are allowed on the parts of our premises that are open to the public.

Support persons

A person with a disability who is accompanied by a support person will be allowed to have that person accompany them on our premises.

Notice of temporary disruption

In the event of a planned or unexpected disruption of services or facilities for clients with disabilities, we will contact any such client who is to attend a meeting at our offices and make alternative meeting arrangements.

Training for staff

Management will provide the legislated accessibility training to employees, volunteers and others who deal with the public or other third parties on their behalf.

Feedback process

Clients who wish to provide feedback on the way McKellar provides services to people with disabilities can do so by contacting us.  All feedback will be directed to the Principal responsible for Client Services. Clients can expect to hear back in two business days.  Any complaints will be addressed by our organization’s management promptly.

Modifications to this or other policies

Any policy of McKellar Structured Settlements Inc. that does not respect and promote the dignity and independence of people with disabilities will be modified or removed.

Click here to access the Ministry of Community and Social Services website.