These are simplified versions of the full online tools made available to subscribers (for more details, click here).

These tools are provided without warranty of any kind.

• Annuity calculator. Use this tool to calculate annuity factors en masse. Don't forget that you can calculate life expectancies using this tool by simply setting the interest rate to zero.

• Portfolio simulator. Use this tool to explore the impact of uncertainty on smaller portfolios.

• Mortality curves. Use this tool to explore the various different approaches to viewing mortality and life expectancy.

• Capital management. Use this tool to explore the capital requirements for a given pricing and reserving basis.