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

The McKellar Advantage

McKellar Specialists, Brokerage Departments, Centralized Quality Assurance, Legal Department, Post-Funding, The McKellar Guarantee, Client Services and Estate Department

The McKellar Structured Settlement is a process overseen by many McKellar professionals, each providing the same superior attention to detail every step of the way. From the time of your first contact with us, until the day you receive our Corporate Guarantee, you can be sure you are dealing with the very best in the business. Long after your file has been closed, McKellar will continue to provide ongoing customer service for the entire length of every structured settlement we put in place.

This process includes:

The extensive experience of our structure consultants provides you with the very best technical advice and service. Our team includes lawyers, casualty professionals and accounting professionals, all with many years of experience in the industry. We are available any time, to provide comprehensive structure advice in your home or office, or at mediations and settlement meetings - all without any charge to you.

Our involvement often begins long before a claim has settled. From the time we are first contacted, until the day we close our file, every step in the process receives the same attention to detail.

The specialists in our Brokerage Department run and verify hundreds of structure quotations each day, to ensure that we deliver on our promise to obtain the highest income, or lowest cost, for every structured settlement.

To assist casualty insurers with OSFI reporting, our Brokerage Specialists provide periodic structure activity reports and annual year-end valuations of their structure obligations.

Our commitment to centralized quality assurance is a key to our success. Our Quality Assurance Specialists verify the accuracy of our work for every aspect of a file, from the initial illustrations to the final structure contract.

Documents relating to structured settlements are very different from those used in cases involving lump-sum settlements.

McKellar is the only structure firm in Canada with a full-time Legal Department. We ensure that your settlement documents and structure contract conform with Canada Revenue Agency requirements for tax-free payments.

This legal review protects the injured person, the lawyers, and the company funding the settlement as well.

Our Post-Funding process ensures that each file moves smoothly from structure funding through to the delivery of our Final Report.

This process includes:

  • Preparation and delivery of structured settlement application
  • Preparation and circulation of Assignment & Assumption Agreement (if necessary)
  • Arranging direct deposit of structure payments
  • Final review of the issued structure contract
  • Preparation of final report, providing appropriate documentation for each party
  • Issuance of our Corporate Guarantee

Since 1979, McKellar has issued an unconditional Guarantee with every completed structured settlement. This Guarantee is our promise to you that the structured settlement is tax free and prepared in compliance with Canada Revenue Agency requirements.

We are the only structured settlement company that has a dedicated Client Services/Estates Department, staffed by two full-time representatives. These specialists are your liaisons with the life insurance companies – available to answer questions and assist with any structure-related inquiries.

This commitment to ongoing client service lasts for as long as each structure does, and all without any charge to you.