Tontine Age

Tontine age is a measure used in insurance to estimate a person's biological health and longevity potential, based on how long they are expected to live. It reflects the idea that some individuals are biologically older or younger than their actual chronological age due to health, lifestyle, and genetics. By assessing Tontine age, insurers can better predict risks and determine appropriate premiums, as it offers a more personalized view of mortality risk beyond just counting years lived. Essentially, it helps to align insurance pricing with an individual's true health status rather than age alone.