1. Baseline Mortality Data: Calibrated using South African Assured Lives mortality tables (underwritten private health scheme population) rather than Stats SA general population metrics.

2. Baseline Medians at Age 65: HNW Male: 85.0 Years | HNW Female: 88.0 Years. Base selection adjustment factor: +0.4 yrs per year past age 65.

3. Adjustment Variables: Family History (±2 to 3 yrs), Lifestyle & Exercise (-4 to +2 yrs), Private Healthcare Access (+2 yrs), Biotech Adopter (+4 yrs).

4. Joint Survival Mathematics: Calculated via probability union: P(Joint) = 1 - [(1 - P1) × (1 - P2)]. Represents the statistical probability that at least one partner remains living.

5. Planning Disclaimer: This tool provides probability models for financial planning and capital drawdown illustration purposes only. It does not constitute formal medical diagnosis or guaranteed financial lifespan. Living annuity planning should account for tail-risk longevity (ages 95+).