Split-Dollar Loan

A single-life receivable valuation using mortality-weighted repayment timing and a selected discount-rate framework.

Loan Setup

Receivable

Repayment amount

Valuation date

Mortality Basis

Sex

Smoking status

Age basis

Valuation age

Terminal age

VBT table

Base VBT uses the published base table for the selected smoking status. Health-rated VBT uses SOA-published relative-risk tables; RR 100 is the standard health table, and lower or higher RR values reflect published mortality multipliers rather than an arbitrary adjustment.

Discount Rate

Discount model

Treasury curve source

Uses Treasury yield-curve protobuf shards for the valuation date and resolves the mortality-weighted discount rate inside the Rust engine.

Credit spread

bps

Illiquidity premium

bps

Structure adjustment

bps

Collateral adjustment

bps

Documentation adjustment

bps

Other adjustment

bps

Repayment Trigger

Trigger

Valuation Review

Current value and terminal repayment endpoints while detailed projection rows load.

Ready for split-dollar modeling

Calculate once to populate the mortality-weighted carrying value, repayment timing summary, and terminal-age sensitivity.