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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.

Every McKellar service is delivered in a timely fashion—when you need it. Our regional representatives understand different provincial legislations, and are always just a phone call away.

With multiple offices and a staff of almost 40 people, we can attend multiple meetings or mediations anywhere in Canada–all on the same day. As well, you will never see an invoice or pay any fees when you consult McKellar.


Our Services - McKellar

  • Provide the most accurate and most reliable structure quotations.
  • Assist in determining appropriate cases to structure.
  • Conduct seminars/webinars for legal and insurance industry professionals.
  • Prepare detailed Accident Benefits, future care cost and income loss valuations.
  • Provide tax comparisons and economic data related to structured settlements.
  • Attend settlement conferences, mediations and pre-trials.
  • Meet with the injured client at their home or lawyer's office.
  • Prepare customized structure proposals to meet each person's individual needs.
  • Assist lawyers in preparing settlement documents to ensure Canada Revenue Agency compliance.
  • Guarantee, in writing, the tax-free status of every structured settlement implemented.
  • Provide lifetime customer service for every structure implemented.
  • Provide OSFI compliant year-end valuations to casualty insurers.
  • Provide assistance to U.S. structure brokers and plaintiffs with U.S. injury claims.