The odds of dying: Genders, risk and what you might leave behind

Are the odds in your favor?

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There’s some evidence to suggest that contemplating death makes you funnier and even helps you save money. (Don’t believe me? Take a look at this 2016 op-ed piece.) One thing is certain: Of the more than 100 billion people who’ve ever lived, exactly zero have managed to escape it. Might as well face the inevitable armed with the rates and risks of death and dying.

How likely are you to die from the coronavirus?

The COVID-19 epidemic has a fatality rate of around 3% for reported cases globally, not including unreported or misdiagnosed cases, according to the World Health Organization. Big questions remain as to whether the numbers reflect actual cases, but that’s higher than the average 0.1% fatality rate for the seasonal flu. Most of these cases are in China, Italy, Iran and South Korea as of March 2020. However, according to China’s CDC, that rate goes up to as much as 15% for people over the age of 80 and those with pre-existing health risks, such as high blood pressure or respiratory issues.

A concern for many people in the US is healthcare costs. As of March 10th, diagnostic testing for the coronavirus is available in all 50 states, and it’s free at a public or CDC-run lab. The majority of people who visit a private facility or doctor may pay for tests, care and hospitalization. Even for Americans with health insurance, that means paying a copay, deductible or other out-of-pocket costs. A bright development is that as the pandemic unfolds, more states are mandating that insurers waive copays and deductibles for coronavirus testing, though not necessarily for treatment.

Odds of dying for men and women

The actuarial tables below are based on the most recent mortality rates for 2014 — directly from the Social Security Administration. They do not consider personal health or lifestyle information, which can dramatically alter a person’s life expectancy.

Life expectancy rates are merely calculations based on averages of mortality among specific population, gender and age groups. They do not predict the specific life expectancy of any one person — including you. If you’re concerned about your overall health and risks, talk to your doctor or health professional.

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As you’d expect, the odds of dying increase as we age. For men, five-year odds stay in the single digits until their mid-50s, when longevity percentages begin to decrease more dramatically. At 70 years old, the majority of men are expected to live another 10 years, and a quarter are expected to live to see 90.

AgeWithin 1 yearWithin 5 yearsWithin 10 yearsWithin 20 yearsWithin 30 yearsLearn more
0 years old0.63%0.74%0.80%1.20%2.48%
1 years old0.04%0.12%0.18%0.67%2.01%
2 years old0.03%0.10%0.15%0.75%2.12%
3 years old0.02%0.08%0.14%0.84%2.25%
4 years old0.02%0.07%0.14%0.95%2.38%
5 years old0.02%0.06%0.15%1.06%2.53%
6 years old0.01%0.06%0.17%1.18%2.68%
7 years old0.01%0.05%0.21%1.30%2.84%
8 years old0.01%0.05%0.26%1.43%3.01%
9 years old0.01%0.06%0.32%1.56%3.18%
10 years old0.01%0.08%0.40%1.69%3.37%
11 years old0.01%0.11%0.49%1.83%3.56%
12 years old0.01%0.15%0.59%1.97%3.77%
13 years old0.02%0.20%0.71%2.11%3.99%
14 years old0.03%0.26%0.82%2.25%4.22%
15 years old0.04%0.31%0.92%2.38%4.47%
16 years old0.05%0.38%1.01%2.51%4.72%
17 years old0.06%0.44%1.10%2.64%5.00%
18 years old0.07%0.50%1.17%2.76%5.30%
19 years old0.09%0.56%1.24%2.87%5.62%
20 years old0.10%0.61%1.30%2.98%5.96%
21 years old0.12%0.64%1.35%3.09%6.33%
22 years old0.13%0.66%1.38%3.20%6.74%
23 years old0.13%0.67%1.42%3.31%7.18%
24 years old0.13%0.68%1.45%3.43%7.67%
25 years old0.13%0.70%1.48%3.58%8.21%More info
26 years old0.14%0.71%1.51%3.75%8.80%
27 years old0.14%0.73%1.55%3.95%9.45%
28 years old0.14%0.75%1.60%4.17%10.16%
29 years old0.15%0.77%1.65%4.43%10.92%
30 years old0.15%0.79%1.71%4.72%11.73%
31 years old0.15%0.81%1.77%5.06%12.60%
32 years old0.16%0.83%1.84%5.43%13.53%
33 years old0.16%0.86%1.92%5.85%14.53%
34 years old0.17%0.89%2.02%6.32%15.58%
35 years old0.17%0.93%2.13%6.83%16.69%
36 years old0.18%0.97%2.27%7.40%17.87%
37 years old0.19%1.01%2.43%8.02%19.12%
38 years old0.19%1.07%2.61%8.70%20.46%
39 years old0.20%1.14%2.83%9.42%21.88%
40 years old0.21%1.22%3.07%10.20%23.40%
41 years old0.23%1.32%3.35%11.03%25.03%
42 years old0.24%1.43%3.66%11.92%26.78%
43 years old0.26%1.56%4.01%12.86%28.65%
44 years old0.28%1.71%4.39%13.84%30.64%
45 years old0.31%1.88%4.80%14.88%32.74%More info
46 years old0.34%2.06%5.25%15.96%34.98%
47 years old0.37%2.26%5.73%17.11%37.36%
48 years old0.41%2.49%6.25%18.32%39.88%
49 years old0.45%2.72%6.79%19.61%42.55%
50 years old0.50%2.98%7.35%20.97%45.35%
51 years old0.55%3.26%7.95%22.43%48.30%
52 years old0.60%3.55%8.57%24.00%51.40%
53 years old0.66%3.86%9.22%25.67%54.63%
54 years old0.72%4.18%9.89%27.45%57.98%
55 years old0.78%4.51%10.59%29.35%61.43%
56 years old0.85%4.85%11.31%31.38%64.94%
57 years old0.92%5.20%12.07%33.55%68.49%
58 years old0.99%5.58%12.88%35.88%72.04%
59 years old1.06%5.96%13.75%38.36%75.55%
60 years old1.14%6.37%14.70%41.01%78.97%
61 years old1.22%6.79%15.74%43.84%82.22%
62 years old1.31%7.24%16.88%46.85%85.27%
63 years old1.39%7.73%18.12%50.03%88.06%
64 years old1.48%8.28%19.49%53.37%90.55%
65 years old1.58%8.90%20.98%56.86%92.71%
66 years old1.70%9.60%22.62%60.47%94.52%
67 years old1.83%10.39%24.43%64.17%95.99%
68 years old1.98%11.26%26.40%67.91%97.13%
69 years old2.14%12.22%28.53%71.65%98.00%
70 years old2.34%13.27%30.85%75.34%98.64%
71 years old2.55%14.41%33.35%78.90%99.09%
72 years old2.79%15.67%36.05%82.28%99.41%
73 years old3.04%17.06%38.96%85.42%99.63%
74 years old3.31%18.59%42.08%88.26%99.77%
75 years old3.63%20.27%45.40%90.77%99.86%
76 years old3.99%22.13%48.91%92.92%99.92%
77 years old4.39%24.17%52.58%94.69%99.96%
78 years old4.83%26.41%56.40%96.11%99.98%
79 years old5.31%28.86%60.34%97.20%99.99%
80 years old5.87%31.52%64.34%98.03%99.99%
81 years old6.51%34.39%68.35%98.64%100.00%
82 years old7.21%37.47%72.29%99.08%100.00%
83 years old7.99%40.75%76.11%99.39%100.00%
84 years old8.85%44.24%79.73%99.60%100.00%
85 years old9.81%47.92%83.09%99.75%100.00%
86 years old10.89%51.76%86.13%99.85%100.00%
87 years old12.09%55.69%88.80%99.91%100.00%
88 years old13.41%59.67%91.07%99.95%100.00%
89 years old14.87%63.64%92.95%99.97%100.00%
90 years old16.45%67.54%94.47%99.98%100.00%
91 years old18.16%71.26%95.69%99.99%100.00%
92 years old19.99%74.72%96.67%100.00%100.00%
93 years old21.93%77.85%97.44%100.00%100.00%
94 years old23.99%80.61%98.04%100.00%100.00%
95 years old26.03%82.97%98.52%100.00%100.00%
96 years old28.01%85.01%98.89%100.00%100.00%
97 years old29.90%86.81%99.18%100.00%100.00%
98 years old31.66%88.42%99.40%100.00%100.00%
99 years old33.24%89.91%99.58%100.00%100.00%
100 years old34.90%91.29%99.71%100.00%100.00%
101 years old36.65%92.58%99.81%100.00%100.00%
102 years old38.48%93.77%99.88%100.00%100.00%
103 years old40.40%94.85%99.93%100.00%100.00%
104 years old42.42%95.81%99.96%100.00%100.00%
105 years old44.55%96.66%99.98%100.00%100.00%
106 years old46.77%97.40%99.99%100.00%100.00%
107 years old49.11%98.03%99.99%100.00%100.00%
108 years old51.57%98.56%100.00%100.00%100.00%
109 years old54.15%98.98%100.00%100.00%100.00%
110 years old56.85%99.31%100.00%100.00%100.00%
111 years old59.70%99.56%100.00%100.00%100.00%
112 years old62.68%99.74%100.00%100.00%100.00%
113 years old65.81%99.86%100.00%100.00%100.00%
114 years old69.10%99.94%100.00%100.00%100.00%
115 years old72.56%99.98%100.00%100.00%100.00%
116 years old76.19%100.00%100.00%100.00%100.00%
117 years old80.00%100.00%100.00%100.00%100.00%
118 years old84.00%100.00%100.00%100.00%100.00%
119 years old88.20%100.00%100.00%100.00%100.00%
Source: Death probability taken from the 2014 SSA Period Life Table.
Interestingly, women are generally expected to live longer lives than similarly aged men as they grow older. Even among grade-school ages, you’ll see a gap between men and women.

Women in their 40s can expect to comfortably reach 80, with many also expected to live until their centennial year. Even at 70, more than 60% of women are projected to live long enough to blow out 90 candles.

AgeWithin 1 yearWithin 5 yearsWithin 10 yearsWithin 20 yearsWithin 30 yearsLearn more
0 years old0.53%0.62%0.67%0.85%1.36%
1 years old0.03%0.10%0.14%0.36%0.90%
2 years old0.02%0.07%0.12%0.37%0.93%
3 years old0.02%0.06%0.11%0.39%0.99%
4 years old0.01%0.05%0.10%0.42%1.05%
5 years old0.01%0.05%0.10%0.46%1.12%
6 years old0.01%0.05%0.11%0.50%1.20%
7 years old0.01%0.04%0.13%0.54%1.29%
8 years old0.01%0.04%0.14%0.59%1.39%
9 years old0.01%0.05%0.16%0.64%1.50%
10 years old0.01%0.06%0.19%0.70%1.61%
11 years old0.01%0.07%0.22%0.76%1.73%
12 years old0.01%0.08%0.25%0.82%1.87%
13 years old0.01%0.10%0.28%0.88%2.01%
14 years old0.02%0.12%0.32%0.95%2.16%
15 years old0.02%0.13%0.35%1.02%2.33%
16 years old0.02%0.15%0.39%1.09%2.51%
17 years old0.03%0.17%0.42%1.17%2.70%
18 years old0.03%0.19%0.45%1.25%2.91%
19 years old0.03%0.20%0.48%1.33%3.13%
20 years old0.04%0.22%0.51%1.42%3.38%
21 years old0.04%0.23%0.54%1.52%3.65%
22 years old0.04%0.25%0.57%1.62%3.95%
23 years old0.05%0.26%0.60%1.73%4.27%
24 years old0.05%0.28%0.63%1.85%4.62%
25 years old0.05%0.29%0.67%1.98%5.00%More info
26 years old0.06%0.31%0.71%2.13%5.40%
27 years old0.06%0.32%0.76%2.29%5.83%
28 years old0.06%0.34%0.80%2.47%6.30%
29 years old0.06%0.36%0.86%2.67%6.80%
30 years old0.07%0.38%0.92%2.89%7.32%
31 years old0.07%0.41%0.98%3.13%7.88%
32 years old0.08%0.44%1.06%3.40%8.47%
33 years old0.08%0.47%1.14%3.69%9.11%
34 years old0.09%0.50%1.23%4.01%9.80%
35 years old0.09%0.54%1.32%4.35%10.54%
36 years old0.10%0.58%1.43%4.72%11.33%
37 years old0.11%0.62%1.55%5.12%12.20%
38 years old0.12%0.67%1.68%5.54%13.13%
39 years old0.12%0.73%1.82%5.99%14.15%
40 years old0.13%0.79%1.99%6.46%15.26%
41 years old0.14%0.85%2.17%6.96%16.47%
42 years old0.16%0.93%2.37%7.50%17.80%
43 years old0.17%1.01%2.59%8.07%19.24%
44 years old0.18%1.11%2.82%8.68%20.79%
45 years old0.20%1.21%3.07%9.34%22.47%More info
46 years old0.22%1.33%3.34%10.05%24.27%
47 years old0.24%1.45%3.63%10.82%26.24%
48 years old0.26%1.59%3.93%11.65%28.36%
49 years old0.29%1.74%4.24%12.56%30.66%
50 years old0.32%1.89%4.57%13.55%33.13%
51 years old0.35%2.04%4.90%14.62%35.80%
52 years old0.38%2.21%5.25%15.80%38.68%
53 years old0.41%2.38%5.63%17.09%41.76%
54 years old0.44%2.55%6.03%18.49%45.01%
55 years old0.48%2.73%6.46%20.01%48.43%
56 years old0.52%2.92%6.94%21.66%52.01%
57 years old0.55%3.12%7.46%23.46%55.74%
58 years old0.59%3.33%8.04%25.43%59.59%
59 years old0.63%3.57%8.69%27.58%63.55%
60 years old0.67%3.84%9.41%29.93%67.57%
61 years old0.72%4.14%10.22%32.49%71.58%
62 years old0.77%4.48%11.14%35.28%75.51%
63 years old0.83%4.87%12.15%38.28%79.28%
64 years old0.90%5.31%13.26%41.48%82.82%
65 years old0.98%5.80%14.48%44.87%86.07%
66 years old1.07%6.35%15.82%48.43%88.95%
67 years old1.18%6.96%17.29%52.17%91.43%
68 years old1.29%7.65%18.91%56.06%93.51%
69 years old1.41%8.40%20.69%60.08%95.19%
70 years old1.56%9.22%22.65%64.20%96.51%
71 years old1.73%10.11%24.80%68.34%97.52%
72 years old1.90%11.10%27.17%72.44%98.28%
73 years old2.09%12.19%29.75%76.41%98.84%
74 years old2.29%13.42%32.53%80.19%99.24%
75 years old2.53%14.80%35.53%83.71%99.52%
76 years old2.80%16.34%38.74%86.87%99.71%
77 years old3.11%18.08%42.17%89.64%99.83%
78 years old3.46%19.99%45.81%91.99%99.90%
79 years old3.85%22.08%49.67%93.93%99.95%
80 years old4.30%24.34%53.71%95.48%99.97%
81 years old4.82%26.78%57.90%96.70%99.99%
82 years old5.38%29.41%62.15%97.64%99.99%
83 years old5.98%32.27%66.43%98.35%100.00%
84 years old6.64%35.41%70.64%98.88%100.00%
85 years old7.38%38.83%74.72%99.26%100.00%
86 years old8.24%42.50%78.57%99.52%100.00%
87 years old9.22%46.39%82.09%99.70%100.00%
88 years old10.33%50.43%85.22%99.82%100.00%
89 years old11.57%54.55%87.94%99.90%100.00%
90 years old12.95%58.68%90.24%99.94%100.00%
91 years old14.44%62.73%92.17%99.97%100.00%
92 years old16.06%66.59%93.77%99.98%100.00%
93 years old17.79%70.19%95.09%99.99%100.00%
94 years old19.62%73.47%96.18%100.00%100.00%
95 years old21.47%76.38%97.05%100.00%100.00%
96 years old23.31%78.99%97.76%100.00%100.00%
97 years old25.11%81.36%98.33%100.00%100.00%
98 years old26.83%83.54%98.78%100.00%100.00%
99 years old28.44%85.58%99.13%100.00%100.00%
100 years old30.15%87.52%99.41%100.00%100.00%
101 years old31.96%89.34%99.61%100.00%100.00%
102 years old33.87%91.04%99.75%100.00%100.00%
103 years old35.91%92.59%99.85%100.00%100.00%
104 years old38.06%93.99%99.92%100.00%100.00%
105 years old40.34%95.24%99.96%100.00%100.00%
106 years old42.76%96.33%99.98%100.00%100.00%
107 years old45.33%97.26%99.99%100.00%100.00%
108 years old48.05%98.03%100.00%100.00%100.00%
109 years old50.93%98.64%100.00%100.00%100.00%
110 years old53.99%99.12%100.00%100.00%100.00%
111 years old57.23%99.47%100.00%100.00%100.00%
112 years old60.66%99.70%100.00%100.00%100.00%
113 years old64.30%99.85%100.00%100.00%100.00%
114 years old68.16%99.93%100.00%100.00%100.00%
115 years old72.25%99.98%100.00%100.00%100.00%
116 years old76.19%100.00%100.00%100.00%100.00%
117 years old80.00%100.00%100.00%100.00%100.00%
118 years old84.00%100.00%100.00%100.00%100.00%
119 years old88.20%100.00%100.00%100.00%100.00%

Source: Death probability taken from the 2014 SSA Period Life Table.

Methodology

We based our data on 2014 actuarial life tables from the Social Security Administration. Using compound probability, we used this data to calculate the odds of dying within increments of 5, 10, 20 and 30 years for men and women in the US. Your actual probability could be higher or lower depending on a range of health and lifestyle factors.

Actuarial tables are about as close as we’ll ever come to being able to predict when we’ll die – in a general sense. And “how we’ll die” will vary based on each persons’ unique set of circumstances.

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BestHealthDegrees.com compiled data from The National Center for Health Statistics, CDC, and more to put together a comprehensive list of popular activities and your odds of dying from them.

Here are just a few stats that may have you thinking twice next time you ride your bike or have you thinking that the only mountains you should be climbing any time soon are metaphorical ones.

How can I protect myself?

There are many misconceptions surrounding life insurance, one of which is cost. On average, people think that the cost of life insurance is significantly more costly than it is in reality. A study conducted by Life Happens found that 44% of millennials believe that life insurance is five times more expensive than it really is – most believing it could cost up to $1,000 a year for a 20-year, $250,000 term life insurance policy.

Death isn’t something the average person likes to think about. It’s hard to imagine a world where you’re no longer a part of it, and forced to leave everything and everyone behind. But since it’s inevitable, there is no reason to avoid confronting proper planning around your finances. Life insurance is a great way to ensure that your financial legacy isn’t one where your loved ones are scrambling to pay for your final-expenses, your dependents are struggling to make ends meet, and your most prized possessions aren’t sold off to pay back debt.

What happens to the debt we leave behind?

Most of us have heard the popular idiom “you can’t take it with you when you go” which refers to money as having no value in the hereafter. And while true, fails to capture the full story as money will still likely play a meaningful role in the lives of those that we leave behind.

According to a study Finder conducted that examined funeral trends from the National Funeral Directors Association and death statistics from the National Center for Health, the average traditional funeral costs $6,723.92 and close to $3,667.97 for cremation. What’s more: the average person leaves behind around 60k in debt when they die. Who knew that dying could be so expensive, but more importantly who’s responsible for these expenses when you die?

Average funeral costs in all 50 states

On the Federal Trade Commission’s website they state that “debts are paid from the deceased person’s estate.” What this means is that the government will use any of the deceased’s assets not left to a beneficiary to pay off their outstanding debts. In the event that there’s not enough in your estate to cover the debts, they will go unpaid. Generally, this means that your living beneficiaries are not on the hook for repaying your debts. However, this is not always the case. Your loved ones could find themselves having to repay any obligations that they co-signed on to – like a mortgage or a car loan.

Perhaps the most concerning aspect of leaving behind significant debt is the fact that you could be denying your loved ones keepsakes that you had always planned for your surviving family to inherit. Should you die without sufficient assets to cover your debt, that house, painting, or even coin collection that you thought would be passed down to the next generation could be liquidated to pay off your obligations. Although, it’s worth mentioning that both life insurance and retirement accounts are totally exempt from being used to satisfy debt.

Leaving behind debt can interfere with your peace of mind during your final days. The last thing you should be thinking about as you drift toward the light at the end of the tunnel is “who’s going to pay for my funeral service?” or “what’s going to happen grandma’s ring?” Luckily, there are ways to avoid this through proper planning, which is always best to get a head start on…because depending on your lifestyle death’s door may be closer than you think.

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2 Responses

  1. Default Gravatar
    AnonymousMarch 26, 2019

    What % of men age 75 will live to age 85?

    • Avatarfinder Customer Care
      JingMarch 27, 2019Staff

      Hi,

      Based on our mortality rates research data from 2014, 54.60% of men in the US aged 75 will live to 85.

      Thanks,
      Jing

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