Life expectancy

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Life expectancy

The length of time that an average person is expected to live, which is used by insurance companies use to make projections of benefit payouts.

Life Expectancy

The length of time the average person is anticipated to continue living. An insurance company may use the "official" life expectancy of a person at a certain age in determining the risk of a life insurance policy or annuity. Likewise, the IRS uses the average life expectancy to determine the required minimum distribution from IRAs. Often, the official life expectancy has only a rough relationship with an individual person's actual life expectancy.

Life expectancy.

Your life expectancy is the age to which you can expect to live. Actuarial tables establish your official life expectancy, which insurance companies use to evaluate the risk they take in selling you life insurance or an annuity contract.

The Internal Revenue Service (IRS) also uses life expectancy to determine the distribution period you must use to calculate minimum required distributions from your retirement savings plans or traditional IRAs.

However, your true life expectancy, based on your lifestyle, family history, and other factors, may be longer or shorter than your official life expectancy.

References in periodicals archive ?
The data examines male and female life expectancy from birth in England and Wales between 2009 and 2011.
The report, published today, shows people are living longer, healthier lives, and male life expectancy is catching up with female life expectancy thanks to decreasing rates of death from cardiovascular disease and a decline in smoking rates among children and adults.
The prevalence of disability in people aged over 64 increased among women in Catalonia between 1992 and 2006, but not among men, due to the increase in female life expectancy.
The data examines male and female life expectancy from birth and at age 65 in England and Wales between 2010 and 2012.
Other healthy states include California, Colorado, Connecticut, Massachusetts, Minnesota, North Dakota, New Hampshire, Vermont and Washington, all with a combined male and female life expectancy topping 78 years.
The linear extrapolation proposed by Oeppen and Vaupel (2002) leads to female life expectancy projections for 2080 in the range 94.
Though alcohol consumption (ALCOHOL80) does not have a statistically significant effect on female life expectancy, its effect on the life expectancy of males is both significant and negative.
Among the nine English regions female life expectancy in the North East ranks ninth.
The result of all this late 20th Century stress and emotional conflict will be that female life expectancy will steadily fall over the early decades of the 21st Century to meet the level of male life expectancy.
Female life expectancy at birth was highest in Purbeck, Dorset, at 86.
6 per cent), yet the former has better maternal mortality and female life expectancy rates.