Companies have posted Web applications that can help consumers estimate how long they will live.

Northwestern Mutual Life Insurance Company, Milwaukee, is putting a Lifespan Calculator on its own Web site as well as on Facebook, the social networking site.

The company says it is offering the calculator to show consumers the importance of planning for their full life expectancy. If people estimate how long they might live, they might think more about how to make their life savings last, the company says.

The Lifespan Calculator considers 13 lifestyle factors, including diet, drinking, smoking and stress, to estimate life expectancy, using information from the National Center for Health Statistics.

Facebook users downloading the application can use it to compare their own life expectancy score with that of their Facebook friends, Northwestern says.

The other online longevity application is offered by life settlement underwriter 21st Services L.L.C., Minneapolis. Its new eCLPR application is an online version of its Customized Longevity Planning Report. The firm is charging $60 for each online analysis.

21st Service is marketing eCLPR to consumers as a retirement planning tool, to help users determine how long their money needs to last and whether or not they should sell or hold on to their life insurance. Consumers can use the application to consider purchase of annuities, reverse mortgages or long term care insurance as well as to determine if they are suitable candidates for a life settlement, the company says.

The application also would be helpful to financial planners who want to create a customized analysis explaining the importance of making a plan, the company says.

Professionals in the life settlement field can use the eCLPR as a prescreening tool to evaluate whether a client is a suitable candidate for a settlement, 21st Services notes.