Human Life Value (HLV) API

Compute Human Life Value as the present value of future after-tax earnings net of self-consumption, growing at a wage-growth rate and discounted — the canonical HLV economic-loss method. Deterministic PV math. Answers 'what is my human life value', 'present value of future earnings', 'economic value of a life', 'HLV insurance coverage'.

Price$0.01per request

MethodPOST

Route/v1/calc/ins-human-life-value

StatusLive

MIME typeapplication/json

Rate limit120/minute

CacheNo cache

calcinsurancelifehlvhuman-life-valuepresent-valueactuarialearnings

API URLhttps://x402.hexl.dev/v1/calc/ins-human-life-value

Integration docs

Example request

{
  "annualIncome": 80000,
  "yearsToRetirement": 25
}

Example response

{
  "method": "Human Life Value (PV of net future earnings)",
  "netAnnualContribution": 54400,
  "yearsValued": 25,
  "discountRate": 0.05,
  "humanLifeValue": 1038228.28,
  "recommendedCoverage": 1038228.28,
  "assumptions": {
    "growthRate": 0.03,
    "selfConsumptionRate": 0.2,
    "taxRate": 0.15
  }
}

Input schema

{
  "type": "object",
  "required": [
    "annualIncome",
    "yearsToRetirement"
  ],
  "properties": {
    "annualIncome": {
      "type": "number",
      "examples": [
        80000
      ],
      "description": "gross annual income (USD)"
    },
    "yearsToRetirement": {
      "type": "number",
      "examples": [
        25
      ]
    },
    "discountRate": {
      "type": "number",
      "examples": [
        0.05
      ],
      "description": "decimal, default 0.05"
    },
    "growthRate": {
      "type": "number",
      "examples": [
        0.03
      ],
      "description": "wage growth, default 0.03"
    },
    "selfConsumptionRate": {
      "type": "number",
      "examples": [
        0.2
      ],
      "description": "fraction consumed by self, default 0.2"
    },
    "taxRate": {
      "type": "number",
      "examples": [
        0.15
      ],
      "description": "default 0.15"
    }
  }
}

Output schema

{
  "type": "object",
  "additionalProperties": true
}