Life Expectancy Calculator


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How Long Will I Live? This is the model used
by many Life Insurance Companies


Start with the number 72
-  If you are male, subtract 3.
-  If you are female, add 4.
-  If you live in an urban area with the population over 2 million,
subtract 2.

-  If a grandparent lived to age 85 or over, add 6.
-  If all four grandparents lived to age 80 or over, add 6.

-  If either parent died of a stroke or heart attack before 50,
subtract 4.
-  If any parent, brother or sister under age 50 has (or had)
cancer or a heart condition, or has
diabetes, subtract 2.

-  As an individual, do you earn over $60,000 a year? subtract 2.
-  If you finished college, add 1.
-  If you have a graduate or professional degree, add 2 more.
-  If you are 65 or over and still working, add 3.
-  If you live with a spouse or friend, add 5. If not, subtract 1
for every 10 years alone since age 25.
-  If you work behind a desk, subtract 3.
-  If your work requires heavy physical labor, add 3.

-  If you exercise strenuously (tennis, running, etc.) five times a
week for at least 1/2 hour, add 4:
two or three times a week, add 2.

-  Do you sleep more than 10 hours each night? Subtract 4.

-  Are you intense? Aggressive? Easily angered? Subtract 3.
-  Are you easy-going and relaxed? Add 3.
-  Are you happy? Add 1. Unhappy? Subtract 2.

-  Have you had a speeding ticket in the last year? Subtract 1.

-  Do you smoke more than two packs a day? Subtract 8. One or
two packs? Subtract 6.
One - half to one pack? Subtract 3.
-  Do you drink the equivalent of two drinks of hard liquor a
day? Subtract 1.

-  Are you overweight by 50 pounds or more? Subtract 8. By 30
to 50 pounds? Subtract 4.
By 10 to 30 pounds? Subtract 2.
-  Are you a man over 40 and have annual checkups? Add 2.

-  If you are a woman and see a gynecologist once a year, add 2.
-  If you are between 30 and 40, add 2.
-  If you are between 40 and 50, add 3.
-  If you are between 50 and 70, add 4.
-  If you are over 70, add 5.

Add your score to get your life expectancy at this time. Now
compare it to the national average for various ages:

Age Now      Male         Female
0 - 10           69.8         77.2
11 - 19         70.3         77.5
20 - 29         71.2         77.8
30 - 39         71.3         77.9
40 - 49         73.5         79.4
50 - 59         76.1         79.0
60 - 69         80.2         83.6
70 - 79         85.9         87.7
80 - 90         90.0         91.1

Do you know the single best way to extend your life expectancy?
Do you know the single best indicator of your overall health?

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