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

Clients of McKellar Structured Settlements Inc. (McKellar) are entitled to the highest professional standards of conduct which include the following:

McKellar Code of Conduct

McKellar fosters an environment of honesty and ethical behaviour within the company.

McKellar will always deal with its clients in utmost good faith. If McKellar is aware of a potential conflict of interest, its clients will be advised.

McKellar undertakes to protect the privacy of its clients and will fully comply with the requirements of all applicable privacy legislation.

McKellar warrants that no rebates, secret commissions or fees of any kind have been paid or will be paid to any lawyer, claimant, casualty insurer or defendant involved with the settlement. Nor will McKellar “front” for another broker or financial institution.

McKellar is a completely independent Canadian structured settlement broker. McKellar is not affiliated with any casualty insurer, defendant or life insurer involved in the settlement.

McKellar is contracted with all major life insurers in Canada in the structured settlement market: BMO Life Assurance Company, The Canada Life Assurance Company, and Sun Life Assurance Company of Canada.

McKellar will complete an exhaustive brokerage in order to obtain the highest yield possible, under the terms of the settlement, at the time of funding the structured settlement.

McKellar does not charge any fees for its services. It is paid by way of a commission from the life insurer(s) issuing the structured settlement. The commission is based on a percentage of the amount structured, as well as the total volume of business placed by the broker. Commission scales are the same for all brokers in Canada. McKellar has confirmed with all major life insurers in Canada in the structured settlement market that they will not provide any other broker with a better structure yield or better medical underwriting.

McKellar undertakes to comply with all relevant federal, provincial and local regulatory agencies. McKellar agents are licensed to sell life insurance products as required by law. McKellar is insured to a level (including errors and omissions insurance) which meets or exceeds all provincial and federal requirements.

McKellar’s Legal Department will review and assist with the settlement documentation provided to us to ensure 100% income tax compliance.

McKellar will issue The McKellar Guarantee that the structured settlement complies with all tax requirements for tax-free status; that appropriate brokerage has been undertaken; and that the terms of the annuity conform to the specifications of the settlement documentation approved by us.

Further information regarding McKellar’s qualifications and business relationship is available upon request.

The above undertakings are the inherent rights of all clients of McKellar. As a client of McKellar, if you have reason to believe that McKellar or any of its employees has in any way breached this Code of Conduct, please advise the company immediately, in writing, as follows:

Brittany Gillingham, President
McKellar Structured Settlements Inc.
245 Hanlon Creek Blvd., Suite 200
Guelph, ON, Canada, N1C 0A1
Canada & USA 1.800.265.8381