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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 (2018-2020).


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).

Cathleen M. Allen

Structure Consultants

Cathleen M. Allen

Support Staff

Structured Settlement Analyst, Level I: Brandi Foord

Cathleen M. Allen(Shareholder, Structured Settlement Consultant)

Cathleen M. Allen

Cathleen’s experience and dedication to her work is an asset to McKellar, but it is her outgoing nature that our clients most appreciate.

Before joining McKellar in 1997, Cathleen was a law clerk for 11 years.  She was promoted to the position of Structured Settlement Consultant in 2014, and is part of McKellar’s Accident Benefits team. In addition to overseeing multiple files, Cathleen assists in mentoring new staff, and relies on her "eagle eyes" to perform a final audit on many of our structured settlement files.

Cathleen enjoys travel and reading, as well as spending time with her family and their dog.  In addition, although she does not enjoy it as much, Cathleen is often up early heading to the gym.



1986: Diploma in Legal Office Administration, Fanshawe College
2004: Chartered Insurance Professional (CIP), Insurance Institute of Ontario*
2004: Certified Structured Settlement Consultant (CSSC), Notre Dame University

* Placed in the top 4 for the Canadian graduating class.

Cathleen is a member of the National Structured Settlements Trade Association (NSSTA).


Shareholder, Structured Settlement Consultant