Life Expectancy Tables

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Social Security Life Expectancy Tables

Life Expectancy Tables provide an estimate of your life expectancy, or, an estimate of how many remaining years you have left to live.

Life expectancy, also referred to as longevity, is a critical component to consider when developing a retirement income plan. Longevity is one of the 5 Key Risks everyone experiences in retirement. Below you will find the current Annuity Life Expectancy Tables that may prove helpful when completing a retirement income plan. 

In addition, The Social Security Administration has a life expectancy calculator on their website, ssa.gov, that you the average number of additional years a person can expect to live, based only on the gender and date of birth you enter.

Many retirement experts, including Dr. Wade Pfau, suggest longevity is the most important risk in retirement because it has the ability to amplify all other risks.

The  longer you live the more opportunity to be impacted by: 

A recent actuarial study showed that Americans with 2012 as the year of birth 2012 born in the USA are expected to reach the age of 78.8 years – a record high.

That was an increase of 0.1 years from 2011 when it was 78.7 years, according to a new report on mortality in the USA from the Centers for Disease Control and Prevention’s National Center for Health Statistics.

The news is a little better for women, and a little worse for men. Life expectancy for females is 81.2 years; for males, it’s 76.4 years. That difference of 4.8 years is the same as in 2011.

The Office of the Actuary of the Social Security Administration conducts actuarial studies to predict how long Americans will live based on sex and calendar year. There are two types of life expectancy tables:

  • Cohort Life Expectancy Tables
  • Period Life Expectancy Tables

Cohort Life Expectancy Tables

Calendar
Year
MaleFemaleMaleFemale
194070.476.312.714.7
194170.876.612.814.9
194271.477.112.815
194371.777.412.915.1
19447277.612.915.3
194572.277.91315.4
194672.778.31315.6
19477378.71315.7
194873.178.813.115.9
194973.37913.116
195073.579.213.116.2
195173.679.413.116.3
195273.779.413.116.4
195373.979.613.116.5
195474.179.713.116.6
195574.279.813.116.7
195674.379.913.116.9
195774.58013.217
195874.58013.217.2
195974.780.113.217.3
196074.980.313.217.4
196175.180.413.317.5
196275.280.513.317.7
196375.480.613.417.8
196475.680.713.417.9
196575.780.813.518
1966768113.518.2
196776.281.113.618.3
196876.481.313.718.4
196976.781.413.718.5
197076.981.613.818.5
197177.181.713.918.6
197277.281.91418.6
197377.48214.118.7
197477.682.214.218.7
197577.882.314.218.7
19767882.414.318.7
197778.282.614.418.7
197878.382.714.518.8
197978.582.914.618.8
198078.78314.718.8
198178.883.114.918.8
19827983.21518.9
198379.183.315.118.9
198479.283.415.219
198579.383.515.419
198679.583.615.519.1
198779.683.715.619.1
198879.783.815.819.2
198979.883.915.919.2
199079.9841619.3
199180.184.216.119.3
199280.284.316.319.4
199380.384.416.419.4
199480.584.516.619.5
199580.684.616.719.6
199680.784.716.919.6
199780.884.81719.7
199880.984.817.219.8
19998184.917.319.8
200081.18517.519.9
200181.285.117.620
200281.385.217.720.1
200381.485.217.920.2
200481.585.31820.2
200581.685.418.120.3
200681.785.518.220.4
200781.885.518.320.5
200881.985.618.420.5
20098285.718.520.6
201082.185.818.620.7
201182.285.818.720.7
201282.385.918.820.8
201382.48618.920.9
201482.586.11920.9
201582.586.11921
201682.686.219.121.1
201782.786.319.221.1
201882.886.419.321.2
201982.986.419.321.3
20208386.519.421.56306962

The cohort life expectancy at a given age for a given year is the average number of years of life remaining if a group of persons at that exact age, born on January 1, were to experience the mortality rates for the series of years in which they reach each succeeding age.

Period Life Expectancy Tables, 2017

AgeDeath ProbabilityNumber of LivesLife ExpectancyDeath ProbabilityNumber of LivesLife Expectancy
310.00191197,04846.740.00088798,45851.01
320.0019696,86245.830.00093998,37050.06
330.00201496,67244.920.00098898,27849.1
340.00207196,47844.010.00103498,18148.15
350.00213896,27843.10.00108598,07947.2
360.00221196,07242.190.00114397,97346.25
370.00227995,86041.280.00120597,86145.3
380.00234295,64140.370.00127197,74344.36
390.00240595,41739.470.00134597,61943.41
400.00248295,18838.560.00142997,48842.47
410.00258394,95137.650.00152497,34841.53
420.0027194,70636.750.00163097,20040.59
430.0028794,45035.850.00174897,04239.66
440.00306494,17834.950.00188196,87238.73
450.00328593,89034.060.00202996,69037.8
460.00353893,58133.170.00219596,49436.88
470.00383493,25032.280.00238696,28235.96
480.00417892,89331.410.00260596,05235.04
490.00456992,50530.540.00285195,80234.13
500.00499792,08229.670.00311895,52933.23
510.00546291,62228.820.00340395,23132.33
520.00597191,12227.980.00371494,90731.44
530.00652690,57727.140.00405294,55430.55
540.00712589,98626.320.00441594,17129.68
550.00776689,34525.50.00481393,75528.81
560.00844588,65124.70.00523393,30427.94
570.00915687,90323.90.00564792,81627.09
580.00989787,09823.120.00604392,29226.24
590.01067186,23622.340.00644191,73425.39
600.01151985,31621.580.00688691,14324.56
610.01241984,33320.830.00739190,51523.72
620.01330783,28620.080.00793189,84622.9
630.01416482,17719.350.00850889,13422.07
640.01503281,01318.620.00914288,37521.26
650.01601379,79517.890.00987487,56820.45
660.01713878,51817.180.01071786,70319.65
670.01836277,17216.470.01166085,77418.86
680.01969375,75515.770.01271184,77418.07
690.02117474,26315.070.01389483,69617.3
700.02288972,69114.390.01528582,53316.54
710.02486971,02713.710.01687881,27215.79
720.02709569,26113.050.01860779,90015.05
730.02958767,38412.40.02046678,41314.32
740.03239465,39011.760.02252276,80913.61
750.03566863,27211.140.02492975,07912.92
760.03939661,01510.530.02772973,20712.23
770.04345358,6119.940.03085571,17711.57
780.04782656,0659.370.03432168,98110.92
790.05264953,3838.820.03821166,61310.29
800.05820650,5738.280.04277164,0689.68
810.06458147,6297.760.04799261,3289.09
820.07165744,5537.260.05367858,3858.52
830.07946541,3616.790.05981055,2517.98
840.08814138,0746.330.06658451,9467.45
850.09785434,7185.890.07425848,4876.95
860.10874731,3215.480.08305344,8876.47
870.12091927,9155.080.09312341,1596.01
880.13442524,5394.710.10454037,3265.57
890.14927321,2414.370.11730533,4245.16
900.16545218,0704.050.13139229,5034.78
910.18293515,0803.750.14675325,6274.43
920.20167912,3223.480.16333121,8664.11
930.2216379,8373.230.18106418,2943.81
940.2427477,6563.010.19988614,9823.55
950.2636725,7982.810.21890811,9873.31
960.2840144,2692.640.2378159,3633.09
970.3033553,0572.490.2562657,1362.9
980.3212682,1292.360.2738945,3082.73
990.3373321,4452.240.2903283,8542.58
1000.3541989582.120.3077472,7352.42
1010.3719086192.010.3262121,8932.28
1020.3905033881.90.3457851,2762.14
1030.4100292371.80.3665328352.01
1040.430531401.70.3885245291.88
1050.452057801.60.4118353231.76
1060.474659441.510.4365461901.65
1070.498392231.420.4627381071.54
1080.523312111.340.490503581.44
1090.54947851.260.519933291.34
1100.57695121.180.551129141.24
1110.60579911.10.58419661.15
1120.63608901.030.61924831.06
1130.66789300.960.65640310.98
1140.70128800.90.69578700.91
1150.73635300.840.73635300.84
1160.7731700.780.77317000.78
1170.81182900.720.81182900.72
1180.8524200.660.85242000.66
1190.89504100.610.89504100.61

Note: The period life expectancy at a given age for 2017 represents the average number of years of life remaining if a group of persons at that age was to experience the mortality rates for 2017 over the course of their remaining life. Death Probability = Probability of dying within 1 year. Number of Lives = a number of survivors out of 100,000 born alive. 

Source:  Period Life Table, 2017 | Last Updated: June 9th, 2020.

Life Expectancy at Birth by State

National Vital Statistics Reports, Vol. 70, No. 1, March 11, 2021
StateRankTotalMaleFemale
Hawaii . . . . . . . . . . . . . . . .
California . . . . . . . . . . . . . .
New York . . . . . . . . . . . . . .
Minnesota . . . . . . . . . . . . .
Connecticut . . . . . . . . . . . .
Massachusetts . . . . . . . . . .
Washington . . . . . . . . . . . .
Colorado . . . . . . . . . . . . . .
New Jersey . . . . . . . . . . . .
Rhode Island . . . . . . . . . . .
1
2
3
4
5
6
7
8
9
10
81.0
80.8
80.5
80.5
80.4
80.1
80.0
80.0
79.8
79.8
78.0
78.4
78.1
78.4
77.9
77.7
77.9
77.7
77.3
77.2
84.0
83.1
82.8
82.6
82.9
82.5
82.1
82.3
82.3
82.2
Oregon . . . . . . . . . . . . . . . .
Utah . . . . . . . . . . . . . . . . . .
Vermont . . . . . . . . . . . . . . .
North Dakota . . . . . . . . . . .
Wisconsin . . . . . . . . . . . . .
Iowa . . . . . . . . . . . . . . . . . .
New Hampshire . . . . . . . . .
Nebraska . . . . . . . . . . . . . .
Idaho . . . . . . . . . . . . . . . . .
Virginia . . . . . . . . . . . . . . . .
11
12
13
14
15
16
17
18
19
20
79.7
79.6
79.3
79.3
79.3
79.2
79.1
79.1
79.0
79.0
77.5
77.7
77.0
77.0
76.9
76.8
76.7
76.8
76.8
76.6
81.9
81.5
81.7
81.7
81.6
81.6
81.5
81.4
81.3
81.3
South Dakota . . . . . . . . . . .
Florida . . . . . . . . . . . . . . . .
Illinois . . . . . . . . . . . . . . . .
United States . . . . . . . . . . .
Montana . . . . . . . . . . . . . . .
Arizona . . . . . . . . . . . . . . . .
Maine . . . . . . . . . . . . . . . . .
Maryland . . . . . . . . . . . . . .
Texas . . . . . . . . . . . . . . . . .
Pennsylvania . . . . . . . . . . .
Wyoming . . . . . . . . . . . . . .
21
22
23
…
24
25
26
27
28
29
30
78.9
78.9
78.8
78.7
78.7
78.7
78.6
78.5
78.4
78.1
78.1
76.5
76.2
76.2
76.2
76.5
76.0
75.9
75.8
76.0
75.5
76.1
81.4
81.6
81.3
81.2
81.1
81.5
81.2
81.1
80.8
80.8
80.3
Kansas . . . . . . . . . . . . . . . .
Alaska . . . . . . . . . . . . . . . .
Nevada . . . . . . . . . . . . . . . .
Delaware . . . . . . . . . . . . . .
Michigan . . . . . . . . . . . . . .
District of Columbia . . . . . .
North Carolina . . . . . . . . . .
Georgia . . . . . . . . . . . . . . .
New Mexico . . . . . . . . . . . .
Indiana . . . . . . . . . . . . . . . .
Ohio . . . . . . . . . . . . . . . . . .
31
32
33
34
35
36
37
38
39
40
41
78.0
78.0
77.9
77.8
77.7
77.7
77.6
77.2
77.2
76.8
76.8
75.7
76.0
75.4
74.8
75.4
74.6
74.9
74.7
74.2
74.4
74.2
80.3
80.2
80.5
80.6
80.1
80.5
80.2
79.7
80.4
79.3
79.3
Missouri . . . . . . . . . . . . . . .
South Carolina . . . . . . . . . .
Arkansas . . . . . . . . . . . . . .
Oklahoma . . . . . . . . . . . . . .
Louisiana . . . . . . . . . . . . . .
Tennessee . . . . . . . . . . . . .
Kentucky . . . . . . . . . . . . . .
Alabama . . . . . . . . . . . . . . .
Mississippi . . . . . . . . . . . . .
West Virginia . . . . . . . . . . .
42
43
44
45
46
47
48
49
50
51
76.6
76.5
75.6
75.6
75.6
75.5
75.3
75.1
74.6
74.4
73.9
73.7
73.0
73.1
72.7
73.0
72.6
72.1
71.7
71.7
79.3
79.3
78.2
78.2
78.5
78.1
77.9
78.0
77.5
77.3

Cohort Life Expectancy Tables

Cohort life expectancy tables show the probability of a person from a given cohort, or group of people, dying at each age over the course of their lifetime. The cohort life table is based on age-specific probabilities of death, which are calculated using observed death (mortality) data from the cohort. 

A cohort life table uses a combination of observed mortality rates for past years and projections about mortality rates for the cohort in future years. For example, cohort life expectancy at age 65 in 2016 was worked out using the mortality rate for age 65 years in 2016. So if you’ve made it to age 65 your life expectancy in a total number of years would be greater than it was at birth.

The cohort life table takes into account observed and projected improvements in mortality for the cohort throughout its lifetime. Cohort figures are therefore regarded as a more appropriate measure of how long a person of a given age would be expected to live on average than the alternative measure, known as period life expectancy, which is calculated using mortality rates for a fixed period in time.

Period Life Expectancy Tables

Period life expectancy tables are based on the mortality experience of a population during a relatively short period of time.

For example, a period life table would show someone at age 65 years in 2020 and would use the mortality rates for 2020 for ages 65, 66, and 67 years and so on. Period life expectancy would match cohort life expectancy only if there were no changes in age-specific mortality rates over time; this is an extremely unlikely scenario, as these change from year to year.

It is important to understand that these are projections and not forecasts. As we do not know what the future will hold, we make assumptions about how mortality rates will change in the future. Information on how mortality rates have changed in the past is used to estimate the current rate of mortality improvement by sex and calendar year to make assumptions about improvements in mortality in the future.

Data and Methods

The data used to prepare the 2017 tables are the final numbers of deaths for the year 2017. July 1, 2017 population estimates based on the 2010 decennial census; and age-specific death and population counts for Medicare beneficiaries aged 66–99 for the year 2017 from the Centers for Medicare & Medicaid Services. 

Data from the Medicare program are used to supplement vital statistics and census data for ages 66 and over. The U.S. life expectancy tables by Hispanic origin are based on death rates that have been adjusted for race and ethnicity misclassification on death certificates using classification ratios (or correction factors) generated from an updated evaluation of race and Hispanic origin misclassification on death certificates in the United States.

SOURCE: National Vital Statistics Report, Volume 68, Number 7. “United States Life Tables, 2017.  by Elizabeth Arias, Ph.D., and Jiaquan Xu, M.D., Division of Vital Statistics. June 24, 2019, 

Table a. Expectation of life, by age, race, hispanic origin, race for the non-hispanic population, and sex: united states, 2017

1Life tables by Hispanic origin are based on death rates that have been adjusted for race and ethnicity misclassification on death certificates. Updated classification ratios were applied; see Technical Notes.
SOURCE: NCHS, National Vital Statistics System, Mortality.

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It has been a complete pleasure to deal with Kiara on several occasions opening new annuities. She has a wonderful personality and most importantly has my best interests in mind. She makes sound and knowledgeable investments.
Chris Lehmann
I would highly recommend My Annuity Store and Kiara for your annuity investment needs. They are very helpful and knowledgeable.
Paula Ohalloran
I worked with Jason and Kiara setting up an annuity. They went over and above expectations. They got me the best deal and were very fast getting all the papers in order via 2 day ups. I will be working with them in the near future. Exellent service!
Richard Miles
Jason is very knowledgeable in his field and clearly explained all my questions and helped with an easy transition of my funds into a new annuity with a higher interest rate. Jason keeps me up to date with changes in the market and information on better products.
Kevin Pourmaleki
I used My Annuity Store, Inc. for the first time and had a smooth and pleasant experience. Kiara Caudill was responsive, personable and quickly found me the best yield rates out in the market to meet my type of investment. Closing the deal was fast and simple as well, Kiara handled the bulk of the application process simplifying a few quick and easy signing steps on my end.
Bill Harner
I recently opened 2 annuities with Jason. Everything was explained and handled in a very professional manner. Was processed very quickly without any problems. Would highly recommend Jason for any of your annuity needs. Richard Clark
Richard Clark
Did business with My Annuity Store, Inc. for two annuities. Worked with Kiara both times. She was very informative and will keep you informed throughout the process. You will be very pleased with them.
Gerald Wolfe
I had very positive end-to-end experience with My Annuity Store. They were very transparent about various options I had, and did their best to explain the rather complicated terminology in different annuity schemes. It was very satisfactory collaboration till the end.. Thsnks!
Satisha Bhat

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