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Odds of dying: by age, gender, lifestyle stats | Finder.com
Knowledge is power — especially when it means knowing what will happen to your family’s finances after you die. Learn what factors have the greatest impact on death rates and how purchasing a life insurance policy could be a good investment to protect your loved ones at any age.
What’s the average life expectancy for 2022?
The average life expectancy in the US is 76.4, according to the CDC’s latest mortality data as of December 2022. That’s the most common age to die in the US in terms of averages.
Life expectancy differs by gender, however. The overall average life expectancy for men born today is down from 74.2 to 73.5, while women can expect to live to an average age of 79.3, down from 79.9.
What is the life expectancy in the US by race and gender?
Here’s a breakdown of life expectancy in the US by race and gender, according to the CDC.
Our actuarial tables 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.
As you’d expect, the risk 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.
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.
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.
Are you a risk-taker?
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.
How likely are you to die from the coronavirus?
The COVID-19 pandemic has a case fatality rate — or the number of reported deaths divided by confirmed cases — of around 1.1% in the US, as of February 2023 data from Johns Hopkins. That number’s still higher than the average 0.2% fatality rate for the seasonal flu.
In 2020, 81% of COVID-19 deaths occurred among those aged 65 and over, making COVID the third-leading cause of death. According to CDC data as of February 2023, the greatest number deaths due to COVID are among people 65 years old and up. But heart disease remains the number one cause of death in the US.
Why it’s worth buying life insurance
A life insurance policy can replace your income when you’re gone, and give your beneficiaries the money they need to cover living expenses, pay off debt and take care of your funeral costs. And it may be cheaper than you think.
What is the average funeral cost in 2023?
According to the most recent statistics for burial costs in the US, the average traditional funeral costs $7,848 and slightly less for cremation at $6,971. These numbers come from a study Finder conducted examining funeral trends from the National Funeral Directors Association (NFDA) and death statistics from the National Center for Health.
What’s more, the average person leaves behind around $60,000 in debt when they die. Unfortunately, your debt doesn’t die with you — so a life insurance policy is a good way to ensure your family isn’t burdened by your outstanding debts.
The average person typically isn’t prepared to deal with death. But since it’s inevitable, having a financial plan in place can protect your loved ones — and may include purchasing a life insurance policy to cover extra, unexpected expenses.
Katia Iervasi is a lead writer and spokesperson at NerdWallet and a former editor at Finder, specializing in insurance. Her writing and analysis on life, disability and health insurance has been featured in The Washington Post, Forbes, Yahoo, Entrepreneur, Best Company and FT Advisor. She holds a BA in communication from Australia's Griffith University.
You can check the National Center for Health Statistics for their statistics on Diabetes.
Also, according to the study posted on the National Library of Medicine’s website about the Mortality Trends in Type 2 Diabetes, life expectancy for women and men with diabetes at the age of 50 years or more was 8.2 and 7.5 years less, respectively, than for comparable individuals without diabetes. Read the Life Expectancy of Persons With Type 2 Diabetes section to learn more.
Alternatively, you can contact the Centers for Disease Control and Prevention (CDC) to inquire if they have specific statistics relevant to your friend’s demographic profile. Call them by dialing 800-232-4636 or send them an email through their Contact form.
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a friend who is 65 and weighs 380 pounds , Type 2 diabetes
How long does he have to live, on averaage
Hi Johnny,
Thanks for the question.
You can check the National Center for Health Statistics for their statistics on Diabetes.
Also, according to the study posted on the National Library of Medicine’s website about the Mortality Trends in Type 2 Diabetes, life expectancy for women and men with diabetes at the age of 50 years or more was 8.2 and 7.5 years less, respectively, than for comparable individuals without diabetes. Read the Life Expectancy of Persons With Type 2 Diabetes section to learn more.
Alternatively, you can contact the Centers for Disease Control and Prevention (CDC) to inquire if they have specific statistics relevant to your friend’s demographic profile. Call them by dialing 800-232-4636 or send them an email through their Contact form.
Hope this helps.
Regards,
Ren
What % of men age 75 will live to age 85?
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