Survivor Engine Quantum Syndicate Ventures

Private pilot. Survivor Engine is not yet open for real client data.

How it works

From the facts of an estate to a plan a grieving person can follow

You enter what is known. The engine works through the estate, the months before probate, and the years after. You check the result and sign it before your client sees it as advice.

The Survivor Engine flow Six steps from top to bottom: facts in, estate appraisal, cash bridge, lifetime projection, action list, and adviser sign-off. 1 Facts in The household, the estate, the will 2 Estate appraisal Who is entitled to what, and the tax 3 Cash bridge Are bills covered while assets are frozen 4 Lifetime projection Does the money last; a safe monthly spend 5 Action list Dated deadlines, in plain English 6 Adviser sign-off Reviewed and signed before it is advice

  1. Facts in

    You record the household: who has died and when, where they lived, the will if there is one, each asset and debt and how it was owned, income and spending, children and other beneficiaries.

    Bank statements, documents, scans and phone photos can be uploaded to help. Anything read from them is a suggestion for you to confirm against the original. It is never written into a case automatically.

    National Insurance numbers, bank account numbers and card numbers are not needed. If one is typed into a case it is refused, and if one appears in an uploaded document it is masked.

  2. Estate appraisal

    For each asset the engine works out who is entitled to it and by what route: under the will, by joint ownership, through a trust, or under the intestacy rules of England & Wales, Scotland or Northern Ireland. It then works out the inheritance tax position.

    The estate is assessed under the rules in force on the date of death.

  3. Cash bridge

    Sole accounts are usually frozen until probate or confirmation is granted. The engine sets out, month by month for eighteen months, what money the survivor can reach and whether it covers the bills, including Bereavement Support Payment where it applies.

  4. Lifetime projection

    The engine runs 10,000 possible futures. Each one varies how long the survivor lives, investment returns, tax, the cost of children and the possible cost of care. Life expectancy is based on the Office for National Statistics life tables.

    From this comes an estimate of whether the money lasts for life, and a monthly spend the projection supports. Each assumption is listed with its source. A projection is an estimate, not a promise, and the report says what it leaves out.

    Health information can refine the estimate. It is optional, and it is stored only when the survivor's consent has been recorded. Without it the projection uses standard life expectancy.

  5. Action list

    The survivor receives a short, staged list: what to do this week, what to do this month, and what can safely wait. Statutory deadlines are shown with their dates. The language is plain, and the detail is kept in an appendix for the adviser.

  6. Adviser sign-off

    Until a named, authorised adviser has reviewed and signed it, everything the engine produces is marked as information. The sign-off records the adviser's name and regulator reference against the exact content signed. If the content changes, it must be signed again.

    Survivor Engine does not give advice and does not make decisions. Your adviser advises, and your client decides.

Keeping the law current

How law changes are detected and reviewed

Tax and inheritance rules change every year, and sometimes within a year. A tool that falls behind is worse than no tool. This is how Survivor Engine keeps up.

  1. Step

    Figures live outside the code

    Every rate, threshold, fee and deadline is held in a rule pack with the official source it came from. Statute is kept apart from modelling assumptions.

  2. Step

    Sources are re-read

    The engine fetches each official page, reads the figure from it and compares it with the pack. There are 156 of these checks. On 15 November 2026 all 156 matched.

  3. Step

    A changed figure is set aside

    Watched pages and new legislation are monitored. If a page changes but the figure does not, nothing happens. If the figure changes, it is quarantined until someone has looked at it.

  4. Step

    A person decides

    The engine raises a proposal showing the old value, the new value, the source and the passage it read. A reviewer approves or rejects it.

  5. Step

    Every change keeps its history

    Whether a newly published figure applies to the dates a pack covers is a judgement, so it is made by a person, and the decision is recorded.

  6. Step

    A professional adopts the pack

    A pack is only treated as verified when a named reviewer with a stated credential adopts it. Client-ready output and adviser sign-off require an adopted pack.

    Not yet done

Where this stands today

The figures in the rule packs match their official sources. They have not yet been adopted by a tax professional. Until they are, every report is stamped as a draft and client-ready output is blocked.

Next year's law

The 2027/28 rules are held as a separate pack. Each figure is labelled as enacted, announced, proposed or carried forward, and any report that relies on an unsettled figure says so.

Official sources

The checks read pages published by GOV.UK, legislation.gov.uk and similar official publishers. These requests contain no personal data.

Limits

What the model does not do

We would rather you knew the limits before you rely on anything.

Request a pilot conversation See the use cases
  • Care is modelled as a single period of residential care at the end of life. Some care funding rules are simplified or left out.
  • Trust projections use a single yield and growth rate, and capital gains tax uses one rate per year.
  • Some inputs to the projection are judgement, not published figures. They are identified as such in the rule pack.
  • Text read from scans and photos can be wrong. Recognised figures must be confirmed by a person.
  • Document reading only raises flags. It never decides who inherits.
  • The live bank connection has not yet been tested with a real provider.

The full list of approximations is given to pilot firms and appears in the technical appendix of each report.