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	Retirement Options (and Survivor Benefits) Major Issues A Better Way Life Expectancy Table

Life Expectancy	Send this page to a friend

"Life expectancy" can be very significant or relatively meaningless. The reason is that each one of us is an individual, and statistics and tables have to do with large numbers. That said, it is also true that our life expectancy continues to increase (on average). This fact tends to extend whatever direction our finances are headed.

Another important aspect of living longer is that just because we've made it another year does not mean that our life expectancy has decreased by a year. The table below shows that.

What it also shows is that it is critical to take the long view of life, and by extension, our finances.

The tables show that "Retirement is for a long time . . . and a lot of money!"

Life ExpectancyTable
Updated July 31, 2003
Period Life Table, 2000

	Male			Female
Exact Age	Death probability¹	Number of lives²	Life expectancy	Death probability¹	Number of lives²	Life expectancy
0	0.008115	100,000	73.9	0.006702	100,000	79.24
1	0.000531	99,189	73.5	0.000458	99,330	78.77
2	0.000359	99,136	72.54	0.000299	99,284	77.81
3	0.000298	99,100	71.57	0.000223	99,255	76.83
4	0.000232	99,071	70.59	0.000167	99,232	75.85
5	0.000206	99,048	69.6	0.000155	99,216	74.86
6	0.000192	99,027	68.62	0.000148	99,201	73.88
7	0.00018	99,008	67.63	0.000143	99,186	72.89
8	0.000163	98,990	66.64	0.000136	99,172	71.9
9	0.000141	98,974	65.65	0.000128	99,158	70.91
10	0.000125	98,960	64.66	0.000121	99,146	69.91
11	0.000135	98,948	63.67	0.000124	99,134	68.92
12	0.000191	98,935	62.68	0.000144	99,121	67.93
13	0.000308	98,916	61.69	0.000186	99,107	66.94
14	0.000467	98,885	60.71	0.000243	99,089	65.95
15	0.00064	98,839	59.74	0.000309	99,064	64.97
16	0.000804	98,776	58.78	0.000369	99,034	63.99
17	0.000954	98,696	57.82	0.000416	98,997	63.01
18	0.001079	98,602	56.88	0.000441	98,956	62.04
19	0.001181	98,496	55.94	0.000451	98,912	61.07
20	0.001285	98,380	55	0.000459	98,868	60.09
21	0.001383	98,253	54.07	0.000471	98,822	59.12
22	0.001437	98,117	53.15	0.00048	98,776	58.15
23	0.001434	97,976	52.22	0.000486	98,728	57.18
24	0.001391	97,836	51.3	0.000491	98,681	56.2
25	0.001333	97,700	50.37	0.000496	98,632	55.23
26	0.001286	97,569	49.44	0.000505	98,583	54.26
27	0.001259	97,444	48.5	0.000522	98,533	53.29
28	0.001267	97,321	47.56	0.00055	98,482	52.31
29	0.001303	97,198	46.62	0.000588	98,428	51.34
30	0.00135	97,071	45.68	0.000632	98,370	50.37
31	0.0014	96,940	44.74	0.000681	98,308	49.4
32	0.001465	96,805	43.8	0.000737	98,241	48.44
33	0.001546	96,663	42.87	0.0008	98,168	47.47
34	0.001642	96,513	41.93	0.000871	98,090	46.51
35	0.001754	96,355	41	0.000949	98,004	45.55
36	0.001883	96,186	40.07	0.001035	97,911	44.59
37	0.00203	96,005	39.14	0.001131	97,810	43.64
38	0.002196	95,810	38.22	0.001237	97,699	42.69
39	0.002381	95,599	37.31	0.001354	97,579	41.74
40	0.002583	95,372	36.39	0.001484	97,446	40.8
41	0.002802	95,125	35.49	0.001623	97,302	39.85
42	0.003045	94,859	34.59	0.00176	97,144	38.92
43	0.003312	94,570	33.69	0.001894	96,973	37.99
44	0.003602	94,257	32.08	0.002029	96,789	37.06
45	0.003928	93,917	31.92	0.00218	96,593	36.13
46	0.004272	93,548	31.04	0.002353	96,382	35.21
47	0.004603	93,149	30.17	0.002541	96,156	34.29
48	0.004908	92,720	29.31	0.002747	95,911	33.38
49	0.00521	92,265	28.45	0.002976	95,648	32.47
50	0.005538	91,784	27.6	0.003233	95,363	31.56
51	0.005926	91,276	26.75	0.003523	95,055	30.66
52	0.006386	90,735	25.9	0.003849	94,720	29.77
53	0.006935	90,156	25.07	0.004214	94,355	28.88
54	0.007568	89,530	24.24	0.004621	93,958	28
55	0.008292	88,853	23.42	0.005083	93,524	27.13
56	0.009083	88,116	22.61	0.005594	93,048	26.27
57	0.00991	87,316	21.81	0.006144	92,528	25.41
58	0.010759	86,450	21.03	0.006731	91,959	24.57
59	0.011663	85,520	20.25	0.007369	91,340	23.73
60	0.012645	84,523	19.48	0.008061	90,667	22.9
61	0.013774	83,454	18.73	0.008837	89,936	22.08
62	0.015117	82,305	17.98	0.009729	89,141	21.28
63	0.016717	81,060	17.25	0.010758	88,274	20.48
64	0.018541	79,705	16.54	0.011909	87,325	19.7
65	0.020582	78,228	15.84	0.013209	86,285	18.93
66	0.02274	76,617	15.16	0.01459	85,145	18.18
67	0.02491	74,875	14.5	0.015949	83,903	17.44
68	0.027036	73,010	13.86	0.017242	82,564	16.71
69	0.029205	71,036	13.23	0.018547	81,141	16
70	0.03163	68,961	12.61	0.020032	79,636	15.29
71	0.03438	66,780	12.01	0.021768	78,041	14.59
72	0.037348	64,484	11.42	0.023697	76,342	13.91
73	0.040548	62,076	10.84	0.025843	74,533	13.23
74	0.04406	59,559	10.28	0.028258	72,607	12.57
75	0.048038	56,935	9.73	0.031071	70,555	11.92
76	0.052535	54,200	9.2	0.034292	68,363	11.29
77	0.057502	51,352	8.68	0.03784	66,018	10.67
78	0.06297	48,399	8.18	0.04172	63,520	10.07
79	0.069027	45,352	7.69	0.046042	60,870	9.49
80	0.07576	42,221	7.23	0.051013	58,068	8.92
81	0.083288	39,023	6.78	0.056716	55,105	8.37
82	0.091713	35,772	6.35	0.06309	51,980	7.85
83	0.101108	32,492	5.94	0.070175	48,701	7.34
84	0.111468	29,207	5.55	0.078071	45,283	6.86
85	0.122752	25,951	5.18	0.086897	41,748	6.4
86	0.13493	22,765	4.84	0.096754	38,120	5.96
87	0.147987	19,694	4.52	0.107719	34,432	5.54
88	0.161928	16,779	4.21	0.119836	30,723	5.15
89	0.176773	14,062	3.93	0.133124	27,041	4.78
90	0.192542	11,576	3.67	0.147587	23,441	4.44
91	0.20925	9,347	3.42	0.163214	19,982	4.12
92	0.226904	7,392	3.2	0.179988	16,720	3.83
93	0.2455	5,714	2.99	0.197882	13,711	3.56
94	0.265023	4,311	2.8	0.216861	10,998	3.31
95	0.284534	3,169	2.63	0.236103	8,613	3.09
96	0.303801	2,267	2.48	0.255356	6,579	2.89
97	0.322578	1,578	2.34	0.274345	4,899	2.72
98	0.340612	1,069	2.21	0.292777	3,555	2.55
99	0.357642	705	2.1	0.310343	2,514	2.4
100	0.375525	453	1.99	0.328964	1,734	2.26
101	0.394301	283	1.88	0.348701	1,164	2.12
102	0.414016	171	1.78	0.369624	758	1.99
103	0.434717	100	1.68	0.391801	478	1.87
104	0.456452	57	1.58	0.415309	291	1.75
105	0.479275	31	1.49	0.440228	170	1.63
106	0.503239	16	1.4	0.466641	95	1.52
107	0.528401	8	1.32	0.49464	51	1.42
108	0.554821	4	1.24	0.524318	26	1.32
109	0.582562	2	1.16	0.555777	12	1.23
110	0.61169	1	1.09	0.589124	5	1.14
111	0.642274	0	1.02	0.624471	2	1.05
112	0.674388	0	0.95	0.661939	1	0.97
113	0.708107	0	0.89	0.701655	0	0.9
114	0.743513	0	0.82	0.743513	0	0.82
115	0.780688	0	0.76	0.780688	0	0.76
116	0.819722	0	0.71	0.819722	0	0.71
117	0.860709	0	0.65	0.860709	0	0.65
118	0.903744	0	0.6	0.903744	0	0.6
119	0.948931	0	0.55	0.948931	0	0.55

¹ Probability of dying within one year.

² Number of survivors out of 100,000 born alive.

Source: http://www.firstgov.gov/, http://www.govbenefits.gov/

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