Actuarial Analytics

Relationship Age Gap Evidence & Actuarial Simulator

Empirical demographic modeling of longevity overlap, divorce hazard multipliers, and retirement synchronization.

Age Gap
6 Yrs
Partner 2 older
Joint Overlap Expectancy
38.4 Yrs
Both surviving together
Divorce Hazard Index
1.18x
+18% vs same-age baseline
Solo Survival / Widowhood
11.2 Yrs
Expected solo survival period
Actuarial Survival Probability & Divorce Hazard Model Interactive D3 Engine
Partner 1 Survival Curve
Partner 2 Survival Curve
Joint Survival Envelope
Divorce Hazard Curve Over Time
Counterfactual Gap Scenario Benchmarks
Scenario Age Gap Joint Overlap Hazard Multiplier Solo Window Retirement Sync
Methodological Citations: CDC National Vital Statistics System Cohort Mortality Tables; Emory University Relationship Longevity Study (Fersini & Francis-Tan); European Demographic Journal Marital Stability Panels. Hazard multiplier models incorporate baseline risk curves parameterization $H(g) = 1.0 + 0.035 \times |gap|^1.2$.
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