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How Long Will You Live?

By Rob Sabo on April 22nd, 2010

The average U.S. life expectancy at birth for men is just over 76 years, while women are expected to live a little over 80 years, says the National Association of Insurance Commissioners 2001 Commissioners Standard Ordinary Mortality Table, the legally required mortality table used among life insurance companies to determine life insurance reserves.

The mortality table shows the average life expectancy for men and women of any age. For example, a 30-year-old man is expected to live another 47 years, while a 30-year-old woman is expected to live another 51 years. But a 60-year old man has a probability of living another 20 years, and a 60-year-old woman another 24.

Leading Causes of Death

According to the Centers For Disease Control and Prevention, the top 10 leading causes of death in the U.S. in 2006 were:

  • Heart disease: 631,636 people
  • Cancer: 559,888
  • Stroke: 137,119
  • Chronic lower respiratory diseases: 124,583
  • Accidents: 121,599
  • Diabetes: 72,449
  • Alzheimer's: 72, 432
  • Influenza/pneumonia: 56,326
  • Nephritis/nephrosis: 45,344
  • Septicemia: 34,234

Commissioners Standard Ordinary Mortality Table

Your life expectancy

Age

Male

Female

Age

Male

Female

76.60

80.73

60

20.64

24.08

1

75.68

79.81

61

19.85

23.27

2

74.73

78.86

62

19.06

22.47

3

73.76

77.90

63

18.29

21.68

4

72.78

76.93

64

17.54

20.90

5

71.80

75.95

65

16.80

20.12

6

70.81

74.97

66

16.08

19.36

7

69.83

73.98

67

15.37

18.60

8

68.84

73.00

68

14.68

17.86

9

67.86

72.02

69

13.99

17.12

10

66.88

71.03

70

13.32

16.40

11

65.89

70.05

71

12.66

15.69

12

64.91

69.07

72

12.01

14.99

13

63.93

68.08

73

11.39

14.31

14

62.95

67.10

74

10.78

13.64

15

61.98

66.13

75

10.18

12.98

16

61.02

65.15

76

9.61

12.34

17

60.07

64.17

77

9.05

11.71

18

59.12

63.20

78

8.50

11.10

19

58.17

62.23

79

7.98

10.50

20

57.23

61.26

80

7.49

9.92

21

56.29

60.28

81

7.01

9.35

22

55.34

59.31

82

6.57

8.81

23

54.40

58.34

83

6.14

8.29

24

53.45

57.37

84

5.74

7.79

25

52.51

56.40

85

5.36

7.32

26

51.57

55.43

86

5.00

6.87

27

50.62

54.46

87

4.66

6.43

28

49.68

53.49

88

4.35

6.02

29

48.74

52.53

89

4.07

5.64

30

47.79

51.56

90

3.81

5.29

31

46.85

50.60

91

3.57

4.96

32

45.90

49.63

92

3.35

4.61

33

44.95

48.67

93

3.15

4.26

34

44.00

47.71

94

2.96

3.93

35

43.05

46.7

95

2.78>

3.63

36

42.11

45.80

96

2.62

3.38

37

41.16

44.84

97

2.47

3.18

38

40.21

43.89

98

2.32

3.02

39

39.27

42.94

99

2.19

2.82

40

38.33

42.00

100

2.07

2.61

41

37.39

41.05

101

1.96

2.42

42

36.46

40.11

102

1.86

2.23

43

35.53

39.17

103

1.76

2.06

44

34.61

38.23

104

1.66

1.89

45

33.69

37.29

105

1.57

1.74

46

32.78

36.36

106

1.48

1.60

47

31.87

35.43

107

1.39

1.47

48

30.97

34.51

108

1.30

1.36

49

30.07

33.60

109

1.22

1.25

50

29.18

32.69

110

1.14

1.16

51

28.28

31.79

111

1.07

1.47

52

27.40

30.90

112

0.99

1.00

53

26.52

30.01

113

0.92

0.93

54

25.65

29.14

114

0.85

0.86

55

24.79

28.27

115

0.79

0.79

56

23.94

27.41

116

0.72

0.73

57

23.10

26.57

117

0.66

0.67

58

22.27

25.73

118

0.61

0.61

59

21.45

24.90

119

0.55

0.56

60

20.64

24.08

120

0.50

0.50

Source: National Association of Insurance Commissioners, 2001 Commissioners Standard Ordinary Mortality Table

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