When it comes to underwriting, insurers have done the actuarial math.
You may wonder how life insurance companies make money, what with the payouts your beneficiaries stand to receive against the premiums you pay over the lifetime of your policy.
One factor that life insurance providers consider in underwriting your policy is your odds of dying against the population, gender and age group you belong to. Contained in something called mortality or actuarial tables, these odds help an insurance company determine the probability of you dying before your next birthday or in the next few years.
The actuarial tables below are based on the most recent mortality rates for 2014. They do not consider personal health or lifestyle information, which can dramatically alter a person’s life expectancy.
On a happy note, whether men or women, we’re expected to live longer than any previous generation.
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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.
Death odds for men – See odds for women
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 another quarter are expected to live to see 90.
| Age | Within 1 year | Within 5 years | Within 10 years | Within 20 years | Within 30 years | Learn more |
|---|---|---|---|---|---|---|
| 0 | 0.63% | 0.74% | 0.80% | 1.20% | 2.48% | |
| 1 | 0.04% | 0.12% | 0.18% | 0.67% | 2.01% | |
| 2 | 0.03% | 0.10% | 0.15% | 0.75% | 2.12% | |
| 3 | 0.02% | 0.08% | 0.14% | 0.84% | 2.25% | |
| 4 | 0.02% | 0.07% | 0.14% | 0.95% | 2.38% | |
| 5 | 0.02% | 0.06% | 0.15% | 1.06% | 2.53% | |
| 6 | 0.01% | 0.06% | 0.17% | 1.18% | 2.68% | |
| 7 | 0.01% | 0.05% | 0.21% | 1.30% | 2.84% | |
| 8 | 0.01% | 0.05% | 0.26% | 1.43% | 3.01% | |
| 9 | 0.01% | 0.06% | 0.32% | 1.56% | 3.18% | |
| 10 | 0.01% | 0.08% | 0.40% | 1.69% | 3.37% | |
| 11 | 0.01% | 0.11% | 0.49% | 1.83% | 3.56% | |
| 12 | 0.01% | 0.15% | 0.59% | 1.97% | 3.77% | |
| 13 | 0.02% | 0.20% | 0.71% | 2.11% | 3.99% | |
| 14 | 0.03% | 0.26% | 0.82% | 2.25% | 4.22% | |
| 15 | 0.04% | 0.31% | 0.92% | 2.38% | 4.47% | |
| 16 | 0.05% | 0.38% | 1.01% | 2.51% | 4.72% | |
| 17 | 0.06% | 0.44% | 1.10% | 2.64% | 5.00% | |
| 18 | 0.07% | 0.50% | 1.17% | 2.76% | 5.30% | |
| 19 | 0.09% | 0.56% | 1.24% | 2.87% | 5.62% | |
| 20 | 0.10% | 0.61% | 1.30% | 2.98% | 5.96% | |
| 21 | 0.12% | 0.64% | 1.35% | 3.09% | 6.33% | |
| 22 | 0.13% | 0.66% | 1.38% | 3.20% | 6.74% | |
| 23 | 0.13% | 0.67% | 1.42% | 3.31% | 7.18% | |
| 24 | 0.13% | 0.68% | 1.45% | 3.43% | 7.67% | |
| 25 | 0.13% | 0.70% | 1.48% | 3.58% | 8.21% | More info |
| 26 | 0.14% | 0.71% | 1.51% | 3.75% | 8.80% | |
| 27 | 0.14% | 0.73% | 1.55% | 3.95% | 9.45% | |
| 28 | 0.14% | 0.75% | 1.60% | 4.17% | 10.16% | |
| 29 | 0.15% | 0.77% | 1.65% | 4.43% | 10.92% | |
| 30 | 0.15% | 0.79% | 1.71% | 4.72% | 11.73% | |
| 31 | 0.15% | 0.81% | 1.77% | 5.06% | 12.60% | |
| 32 | 0.16% | 0.83% | 1.84% | 5.43% | 13.53% | |
| 33 | 0.16% | 0.86% | 1.92% | 5.85% | 14.53% | |
| 34 | 0.17% | 0.89% | 2.02% | 6.32% | 15.58% | |
| 35 | 0.17% | 0.93% | 2.13% | 6.83% | 16.69% | |
| 36 | 0.18% | 0.97% | 2.27% | 7.40% | 17.87% | |
| 37 | 0.19% | 1.01% | 2.43% | 8.02% | 19.12% | |
| 38 | 0.19% | 1.07% | 2.61% | 8.70% | 20.46% | |
| 39 | 0.20% | 1.14% | 2.83% | 9.42% | 21.88% | |
| 40 | 0.21% | 1.22% | 3.07% | 10.20% | 23.40% | |
| 41 | 0.23% | 1.32% | 3.35% | 11.03% | 25.03% | |
| 42 | 0.24% | 1.43% | 3.66% | 11.92% | 26.78% | |
| 43 | 0.26% | 1.56% | 4.01% | 12.86% | 28.65% | |
| 44 | 0.28% | 1.71% | 4.39% | 13.84% | 30.64% | |
| 45 | 0.31% | 1.88% | 4.80% | 14.88% | 32.74% | More info |
| 46 | 0.34% | 2.06% | 5.25% | 15.96% | 34.98% | |
| 47 | 0.37% | 2.26% | 5.73% | 17.11% | 37.36% | |
| 48 | 0.41% | 2.49% | 6.25% | 18.32% | 39.88% | |
| 49 | 0.45% | 2.72% | 6.79% | 19.61% | 42.55% | |
| 50 | 0.50% | 2.98% | 7.35% | 20.97% | 45.35% | |
| 51 | 0.55% | 3.26% | 7.95% | 22.43% | 48.30% | |
| 52 | 0.60% | 3.55% | 8.57% | 24.00% | 51.40% | |
| 53 | 0.66% | 3.86% | 9.22% | 25.67% | 54.63% | |
| 54 | 0.72% | 4.18% | 9.89% | 27.45% | 57.98% | |
| 55 | 0.78% | 4.51% | 10.59% | 29.35% | 61.43% | |
| 56 | 0.85% | 4.85% | 11.31% | 31.38% | 64.94% | |
| 57 | 0.92% | 5.20% | 12.07% | 33.55% | 68.49% | |
| 58 | 0.99% | 5.58% | 12.88% | 35.88% | 72.04% | |
| 59 | 1.06% | 5.96% | 13.75% | 38.36% | 75.55% | |
| 60 | 1.14% | 6.37% | 14.70% | 41.01% | 78.97% | |
| 61 | 1.22% | 6.79% | 15.74% | 43.84% | 82.22% | |
| 62 | 1.31% | 7.24% | 16.88% | 46.85% | 85.27% | |
| 63 | 1.39% | 7.73% | 18.12% | 50.03% | 88.06% | |
| 64 | 1.48% | 8.28% | 19.49% | 53.37% | 90.55% | |
| 65 | 1.58% | 8.90% | 20.98% | 56.86% | 92.71% | |
| 66 | 1.70% | 9.60% | 22.62% | 60.47% | 94.52% | |
| 67 | 1.83% | 10.39% | 24.43% | 64.17% | 95.99% | |
| 68 | 1.98% | 11.26% | 26.40% | 67.91% | 97.13% | |
| 69 | 2.14% | 12.22% | 28.53% | 71.65% | 98.00% | |
| 70 | 2.34% | 13.27% | 30.85% | 75.34% | 98.64% | |
| 71 | 2.55% | 14.41% | 33.35% | 78.90% | 99.09% | |
| 72 | 2.79% | 15.67% | 36.05% | 82.28% | 99.41% | |
| 73 | 3.04% | 17.06% | 38.96% | 85.42% | 99.63% | |
| 74 | 3.31% | 18.59% | 42.08% | 88.26% | 99.77% | |
| 75 | 3.63% | 20.27% | 45.40% | 90.77% | 99.86% | |
| 76 | 3.99% | 22.13% | 48.91% | 92.92% | 99.92% | |
| 77 | 4.39% | 24.17% | 52.58% | 94.69% | 99.96% | |
| 78 | 4.83% | 26.41% | 56.40% | 96.11% | 99.98% | |
| 79 | 5.31% | 28.86% | 60.34% | 97.20% | 99.99% | |
| 80 | 5.87% | 31.52% | 64.34% | 98.03% | 99.99% | |
| 81 | 6.51% | 34.39% | 68.35% | 98.64% | 100.00% | |
| 82 | 7.21% | 37.47% | 72.29% | 99.08% | 100.00% | |
| 83 | 7.99% | 40.75% | 76.11% | 99.39% | 100.00% | |
| 84 | 8.85% | 44.24% | 79.73% | 99.60% | 100.00% | |
| 85 | 9.81% | 47.92% | 83.09% | 99.75% | 100.00% | |
| 86 | 10.89% | 51.76% | 86.13% | 99.85% | 100.00% | |
| 87 | 12.09% | 55.69% | 88.80% | 99.91% | 100.00% | |
| 88 | 13.41% | 59.67% | 91.07% | 99.95% | 100.00% | |
| 89 | 14.87% | 63.64% | 92.95% | 99.97% | 100.00% | |
| 90 | 16.45% | 67.54% | 94.47% | 99.98% | 100.00% | |
| 91 | 18.16% | 71.26% | 95.69% | 99.99% | 100.00% | |
| 92 | 19.99% | 74.72% | 96.67% | 100.00% | 100.00% | |
| 93 | 21.93% | 77.85% | 97.44% | 100.00% | 100.00% | |
| 94 | 23.99% | 80.61% | 98.04% | 100.00% | 100.00% | |
| 95 | 26.03% | 82.97% | 98.52% | 100.00% | 100.00% | |
| 96 | 28.01% | 85.01% | 98.89% | 100.00% | 100.00% | |
| 97 | 29.90% | 86.81% | 99.18% | 100.00% | 100.00% | |
| 98 | 31.66% | 88.42% | 99.40% | 100.00% | 100.00% | |
| 99 | 33.24% | 89.91% | 99.58% | 100.00% | 100.00% | |
| 100 | 34.90% | 91.29% | 99.71% | 100.00% | 100.00% | |
| 101 | 36.65% | 92.58% | 99.81% | 100.00% | 100.00% | |
| 102 | 38.48% | 93.77% | 99.88% | 100.00% | 100.00% | |
| 103 | 40.40% | 94.85% | 99.93% | 100.00% | 100.00% | |
| 104 | 42.42% | 95.81% | 99.96% | 100.00% | 100.00% | |
| 105 | 44.55% | 96.66% | 99.98% | 100.00% | 100.00% | |
| 106 | 46.77% | 97.40% | 99.99% | 100.00% | 100.00% | |
| 107 | 49.11% | 98.03% | 99.99% | 100.00% | 100.00% | |
| 108 | 51.57% | 98.56% | 100.00% | 100.00% | 100.00% | |
| 109 | 54.15% | 98.98% | 100.00% | 100.00% | 100.00% | |
| 110 | 56.85% | 99.31% | 100.00% | 100.00% | 100.00% | |
| 111 | 59.70% | 99.56% | 100.00% | 100.00% | 100.00% | |
| 112 | 62.68% | 99.74% | 100.00% | 100.00% | 100.00% | |
| 113 | 65.81% | 99.86% | 100.00% | 100.00% | 100.00% | |
| 114 | 69.10% | 99.94% | 100.00% | 100.00% | 100.00% | |
| 115 | 72.56% | 99.98% | 100.00% | 100.00% | 100.00% | |
| 116 | 76.19% | 100.00% | 100.00% | 100.00% | 100.00% | |
| 117 | 80.00% | 100.00% | 100.00% | 100.00% | 100.00% | |
| 118 | 84.00% | 100.00% | 100.00% | 100.00% | 100.00% | |
| 119 | 88.20% | 100.00% | 100.00% | 100.00% | 100.00% |
Source: Death probability taken from the 2014 SSA Period Life Table.
Death odds for women – See odds for men.
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.
| Age | Within 1 year | Within 5 years | Within 10 years | Within 20 years | Within 30 years | Learn more |
|---|---|---|---|---|---|---|
| 0 | 0.53% | 0.62% | 0.67% | 0.85% | 1.36% | |
| 1 | 0.03% | 0.10% | 0.14% | 0.36% | 0.90% | |
| 2 | 0.02% | 0.07% | 0.12% | 0.37% | 0.93% | |
| 3 | 0.02% | 0.06% | 0.11% | 0.39% | 0.99% | |
| 4 | 0.01% | 0.05% | 0.10% | 0.42% | 1.05% | |
| 5 | 0.01% | 0.05% | 0.10% | 0.46% | 1.12% | |
| 6 | 0.01% | 0.05% | 0.11% | 0.50% | 1.20% | |
| 7 | 0.01% | 0.04% | 0.13% | 0.54% | 1.29% | |
| 8 | 0.01% | 0.04% | 0.14% | 0.59% | 1.39% | |
| 9 | 0.01% | 0.05% | 0.16% | 0.64% | 1.50% | |
| 10 | 0.01% | 0.06% | 0.19% | 0.70% | 1.61% | |
| 11 | 0.01% | 0.07% | 0.22% | 0.76% | 1.73% | |
| 12 | 0.01% | 0.08% | 0.25% | 0.82% | 1.87% | |
| 13 | 0.01% | 0.10% | 0.28% | 0.88% | 2.01% | |
| 14 | 0.02% | 0.12% | 0.32% | 0.95% | 2.16% | |
| 15 | 0.02% | 0.13% | 0.35% | 1.02% | 2.33% | |
| 16 | 0.02% | 0.15% | 0.39% | 1.09% | 2.51% | |
| 17 | 0.03% | 0.17% | 0.42% | 1.17% | 2.70% | |
| 18 | 0.03% | 0.19% | 0.45% | 1.25% | 2.91% | |
| 19 | 0.03% | 0.20% | 0.48% | 1.33% | 3.13% | |
| 20 | 0.04% | 0.22% | 0.51% | 1.42% | 3.38% | |
| 21 | 0.04% | 0.23% | 0.54% | 1.52% | 3.65% | |
| 22 | 0.04% | 0.25% | 0.57% | 1.62% | 3.95% | |
| 23 | 0.05% | 0.26% | 0.60% | 1.73% | 4.27% | |
| 24 | 0.05% | 0.28% | 0.63% | 1.85% | 4.62% | |
| 25 | 0.05% | 0.29% | 0.67% | 1.98% | 5.00% | More info |
| 26 | 0.06% | 0.31% | 0.71% | 2.13% | 5.40% | |
| 27 | 0.06% | 0.32% | 0.76% | 2.29% | 5.83% | |
| 28 | 0.06% | 0.34% | 0.80% | 2.47% | 6.30% | |
| 29 | 0.06% | 0.36% | 0.86% | 2.67% | 6.80% | |
| 30 | 0.07% | 0.38% | 0.92% | 2.89% | 7.32% | |
| 31 | 0.07% | 0.41% | 0.98% | 3.13% | 7.88% | |
| 32 | 0.08% | 0.44% | 1.06% | 3.40% | 8.47% | |
| 33 | 0.08% | 0.47% | 1.14% | 3.69% | 9.11% | |
| 34 | 0.09% | 0.50% | 1.23% | 4.01% | 9.80% | |
| 35 | 0.09% | 0.54% | 1.32% | 4.35% | 10.54% | |
| 36 | 0.10% | 0.58% | 1.43% | 4.72% | 11.33% | |
| 37 | 0.11% | 0.62% | 1.55% | 5.12% | 12.20% | |
| 38 | 0.12% | 0.67% | 1.68% | 5.54% | 13.13% | |
| 39 | 0.12% | 0.73% | 1.82% | 5.99% | 14.15% | |
| 40 | 0.13% | 0.79% | 1.99% | 6.46% | 15.26% | |
| 41 | 0.14% | 0.85% | 2.17% | 6.96% | 16.47% | |
| 42 | 0.16% | 0.93% | 2.37% | 7.50% | 17.80% | |
| 43 | 0.17% | 1.01% | 2.59% | 8.07% | 19.24% | |
| 44 | 0.18% | 1.11% | 2.82% | 8.68% | 20.79% | |
| 45 | 0.20% | 1.21% | 3.07% | 9.34% | 22.47% | More info |
| 46 | 0.22% | 1.33% | 3.34% | 10.05% | 24.27% | |
| 47 | 0.24% | 1.45% | 3.63% | 10.82% | 26.24% | |
| 48 | 0.26% | 1.59% | 3.93% | 11.65% | 28.36% | |
| 49 | 0.29% | 1.74% | 4.24% | 12.56% | 30.66% | |
| 50 | 0.32% | 1.89% | 4.57% | 13.55% | 33.13% | |
| 51 | 0.35% | 2.04% | 4.90% | 14.62% | 35.80% | |
| 52 | 0.38% | 2.21% | 5.25% | 15.80% | 38.68% | |
| 53 | 0.41% | 2.38% | 5.63% | 17.09% | 41.76% | |
| 54 | 0.44% | 2.55% | 6.03% | 18.49% | 45.01% | |
| 55 | 0.48% | 2.73% | 6.46% | 20.01% | 48.43% | |
| 56 | 0.52% | 2.92% | 6.94% | 21.66% | 52.01% | |
| 57 | 0.55% | 3.12% | 7.46% | 23.46% | 55.74% | |
| 58 | 0.59% | 3.33% | 8.04% | 25.43% | 59.59% | |
| 59 | 0.63% | 3.57% | 8.69% | 27.58% | 63.55% | |
| 60 | 0.67% | 3.84% | 9.41% | 29.93% | 67.57% | |
| 61 | 0.72% | 4.14% | 10.22% | 32.49% | 71.58% | |
| 62 | 0.77% | 4.48% | 11.14% | 35.28% | 75.51% | |
| 63 | 0.83% | 4.87% | 12.15% | 38.28% | 79.28% | |
| 64 | 0.90% | 5.31% | 13.26% | 41.48% | 82.82% | |
| 65 | 0.98% | 5.80% | 14.48% | 44.87% | 86.07% | |
| 66 | 1.07% | 6.35% | 15.82% | 48.43% | 88.95% | |
| 67 | 1.18% | 6.96% | 17.29% | 52.17% | 91.43% | |
| 68 | 1.29% | 7.65% | 18.91% | 56.06% | 93.51% | |
| 69 | 1.41% | 8.40% | 20.69% | 60.08% | 95.19% | |
| 70 | 1.56% | 9.22% | 22.65% | 64.20% | 96.51% | |
| 71 | 1.73% | 10.11% | 24.80% | 68.34% | 97.52% | |
| 72 | 1.90% | 11.10% | 27.17% | 72.44% | 98.28% | |
| 73 | 2.09% | 12.19% | 29.75% | 76.41% | 98.84% | |
| 74 | 2.29% | 13.42% | 32.53% | 80.19% | 99.24% | |
| 75 | 2.53% | 14.80% | 35.53% | 83.71% | 99.52% | |
| 76 | 2.80% | 16.34% | 38.74% | 86.87% | 99.71% | |
| 77 | 3.11% | 18.08% | 42.17% | 89.64% | 99.83% | |
| 78 | 3.46% | 19.99% | 45.81% | 91.99% | 99.90% | |
| 79 | 3.85% | 22.08% | 49.67% | 93.93% | 99.95% | |
| 80 | 4.30% | 24.34% | 53.71% | 95.48% | 99.97% | |
| 81 | 4.82% | 26.78% | 57.90% | 96.70% | 99.99% | |
| 82 | 5.38% | 29.41% | 62.15% | 97.64% | 99.99% | |
| 83 | 5.98% | 32.27% | 66.43% | 98.35% | 100.00% | |
| 84 | 6.64% | 35.41% | 70.64% | 98.88% | 100.00% | |
| 85 | 7.38% | 38.83% | 74.72% | 99.26% | 100.00% | |
| 86 | 8.24% | 42.50% | 78.57% | 99.52% | 100.00% | |
| 87 | 9.22% | 46.39% | 82.09% | 99.70% | 100.00% | |
| 88 | 10.33% | 50.43% | 85.22% | 99.82% | 100.00% | |
| 89 | 11.57% | 54.55% | 87.94% | 99.90% | 100.00% | |
| 90 | 12.95% | 58.68% | 90.24% | 99.94% | 100.00% | |
| 91 | 14.44% | 62.73% | 92.17% | 99.97% | 100.00% | |
| 92 | 16.06% | 66.59% | 93.77% | 99.98% | 100.00% | |
| 93 | 17.79% | 70.19% | 95.09% | 99.99% | 100.00% | |
| 94 | 19.62% | 73.47% | 96.18% | 100.00% | 100.00% | |
| 95 | 21.47% | 76.38% | 97.05% | 100.00% | 100.00% | |
| 96 | 23.31% | 78.99% | 97.76% | 100.00% | 100.00% | |
| 97 | 25.11% | 81.36% | 98.33% | 100.00% | 100.00% | |
| 98 | 26.83% | 83.54% | 98.78% | 100.00% | 100.00% | |
| 99 | 28.44% | 85.58% | 99.13% | 100.00% | 100.00% | |
| 100 | 30.15% | 87.52% | 99.41% | 100.00% | 100.00% | |
| 101 | 31.96% | 89.34% | 99.61% | 100.00% | 100.00% | |
| 102 | 33.87% | 91.04% | 99.75% | 100.00% | 100.00% | |
| 103 | 35.91% | 92.59% | 99.85% | 100.00% | 100.00% | |
| 104 | 38.06% | 93.99% | 99.92% | 100.00% | 100.00% | |
| 105 | 40.34% | 95.24% | 99.96% | 100.00% | 100.00% | |
| 106 | 42.76% | 96.33% | 99.98% | 100.00% | 100.00% | |
| 107 | 45.33% | 97.26% | 99.99% | 100.00% | 100.00% | |
| 108 | 48.05% | 98.03% | 100.00% | 100.00% | 100.00% | |
| 109 | 50.93% | 98.64% | 100.00% | 100.00% | 100.00% | |
| 110 | 53.99% | 99.12% | 100.00% | 100.00% | 100.00% | |
| 111 | 57.23% | 99.47% | 100.00% | 100.00% | 100.00% | |
| 112 | 60.66% | 99.70% | 100.00% | 100.00% | 100.00% | |
| 113 | 64.30% | 99.85% | 100.00% | 100.00% | 100.00% | |
| 114 | 68.16% | 99.93% | 100.00% | 100.00% | 100.00% | |
| 115 | 72.25% | 99.98% | 100.00% | 100.00% | 100.00% | |
| 116 | 76.19% | 100.00% | 100.00% | 100.00% | 100.00% | |
| 117 | 80.00% | 100.00% | 100.00% | 100.00% | 100.00% | |
| 118 | 84.00% | 100.00% | 100.00% | 100.00% | 100.00% | |
| 119 | 88.20% | 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.
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