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Resources > Life Expectancy Tables
Annuities are frequently used to provide guaranteed lifetime retirement income. Deferred income annuities, also referred to as longevity annuities, provide guaranteed income at a pre-determined point in the future, and are becoming more popular to insure against an extra long life and the possibility of outliving assets. Having an idea of ones life expectancy can be helpful in designing an income plan that is appropriate for individual needs and help retirees and near retirees in making informed decisions. The following life expectancy table, compiled from information published by the Office of the Actuary of the Social Security Administration, is provided as a tool to assist in making those decisions with appropriate assumptions. It showsthe average number of years of life expectancy remaining for individuals at various ages.
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| Age | Life Expectancy-Male | Life Expectancy-Female |
|---|---|---|
| 0 | 76.04 | 80.99 |
| 1 | 75.52 | 80.43 |
| 2 | 74.55 | 79.46 |
| 3 | 73.58 | 78.48 |
| 4 | 72.59 | 77.49 |
| 5 | 71.60 | 76.50 |
| 6 | 70.62 | 75.51 |
| 7 | 69.63 | 74.52 |
| 8 | 68.64 | 73.53 |
| 9 | 67.64 | 72.54 |
| 10 | 66.65 | 71.54 |
| 11 | 65.66 | 70.55 |
| 12 | 64.66 | 69.56 |
| 13 | 63.67 | 68.56 |
| 14 | 62.68 | 67.57 |
| 15 | 61.70 | 66.58 |
| 16 | 60.73 | 65.60 |
| 17 | 59.76 | 64.62 |
| 18 | 58.81 | 63.63 |
| 19 | 57.86 | 62.66 |
| 20 | 56.91 | 61.68 |
| 21 | 55.98 | 60.71 |
| 22 | 55.05 | 59.73 |
| 23 | 54.13 | 58.76 |
| 24 | 53.22 | 57.80 |
| 25 | 52.30 | 56.83 |
| 26 | 51.38 | 55.86 |
| 27 | 50.47 | 54.90 |
| 28 | 49.55 | 53.93 |
| 29 | 48.63 | 52.97 |
| 30 | 47.72 | 52.01 |
| 31 | 46.80 | 51.05 |
| 32 | 45.89 | 50.09 |
| 33 | 44.97 | 49.14 |
| 34 | 44.06 | 48.19 |
| 35 | 43.15 | 47.23 |
| 36 | 42.23 | 46.28 |
| 37 | 41.32 | 45.34 |
| 38 | 40.41 | 44.39 |
| 39 | 39.50 | 43.45 |
| 40 | 38.59 | 42.50 |
| 41 | 37.69 | 41.56 |
| 42 | 36.78 | 40.62 |
| 43 | 35.88 | 39.69 |
| 44 | 34.98 | 38.76 |
| 45 | 34.08 | 37.83 |
| 46 | 33.19 | 36.90 |
| 47 | 32.30 | 35.98 |
| 48 | 31.43 | 35.07 |
| 49 | 30.55 | 34.16 |
| 50 | 29.69 | 33.26 |
| 51 | 28.84 | 32.36 |
| 52 | 27.99 | 31.48 |
| 53 | 27.16 | 30.59 |
| 54 | 26.34 | 29.72 |
| 55 | 25.52 | 28.85 |
| 56 | 24.72 | 27.99 |
| 57 | 23.93 | 27.13 |
| 58 | 23.15 | 26.28 |
| 59 | 22.37 | 25.44 |
| 60 | 21.61 | 24.60 |
| 61 | 20.85 | 23.76 |
| 62 | 20.11 | 22.94 |
| 63 | 19.37 | 22.12 |
| 64 | 18.65 | 21.30 |
| 65 | 17.92 | 20.49 |
| 66 | 17.20 | 19.69 |
| 67 | 16.49 | 18.89 |
| 68 | 15.78 | 18.11 |
| 69 | 15.09 | 17.33 |
| 70 | 14.40 | 16.57 |
| 71 | 13.73 | 15.82 |
| 72 | 13.07 | 15.09 |
| 73 | 12.43 | 14.37 |
| 74 | 11.80 | 13.66 |
| 75 | 11.18 | 12.97 |
| 76 | 10.58 | 12.29 |
| 77 | 10.00 | 11.62 |
| 78 | 9.43 | 10.98 |
| 79 | 8.88 | 10.35 |
| 80 | 8.34 | 9.74 |
| 81 | 7.82 | 9.15 |
| 82 | 7.32 | 8.58 |
| 83 | 6.84 | 8.04 |
| 84 | 6.38 | 7.51 |
| 85 | 5.94 | 7.01 |
| 86 | 5.52 | 6.53 |
| 87 | 5.12 | 6.07 |
| 88 | 4.75 | 5.64 |
| 89 | 4.40 | 5.23 |
| 90 | 4.08 | 4.85 |
| 91 | 3.78 | 4.50 |
| 92 | 3.50 | 4.18 |
| 93 | 3.25 | 3.88 |
| 94 | 3.03 | 3.61 |
| 95 | 2.83 | 3.37 |
| 96 | 2.66 | 3.16 |
| 97 | 2.51 | 2.96 |
| 98 | 2.37 | 2.79 |
| 99 | 2.25 | 2.63 |
| 100 | 2.13 | 2.48 |
| 101 | 2.02 | 2.33 |
| 102 | 1.91 | 2.19 |
| 103 | 1.81 | 2.06 |
| 104 | 1.71 | 1.93 |
| 105 | 1.61 | 1.81 |
| 106 | 1.52 | 1.69 |
| 107 | 1.43 | 1.58 |
| 108 | 1.35 | 1.47 |
| 109 | 1.27 | 1.37 |
| 110 | 1.19 | 1.27 |
| 111 | 1.11 | 1.18 |
| 112 | 1.04 | 1.09 |
| 113 | 0.97 | 1.01 |
| 114 | 0.91 | 0.93 |
| 115 | 0.84 | 0.86 |
| 116 | 0.78 | 0.79 |
| 117 | 0.73 | 0.73 |
| 118 | 0.67 | 0.67 |
| 119 | 0.62 | 0.62 |
Source: http://www.ssa.gov/OACT/STATS/table4c6.html Period Life Table, 2016 | Last Updated: June 13, 2019
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