Life expectancy calculator

Recent statistics show that American women are projected to live until age 81, while men are projected to live until 76 years of age.1 Are you prepared for the possibility of outliving your retirement income, meeting long-term care or disability needs? Use this tool to predict the average number of years you can expect to live - and talk to your financial professional about how life insurance can help you plan for today and well into the future.

Gender Male
Baseline life expectancy    AGE 
Chance of death occuring %
The percentage chance of death is calculated only by gender, age and smoking status. All other variables are not accounted for.
Current Age
Smoking Status Non-Smoker
Height: feet   inches
Weight lbs
Projected life expectancy    AGE 
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Blood pressure Normal reading
Normal, treated by medication
High, not treated
I do not know my blood pressure
Cholesterol/HDL Normal reading
Normal, treated by medication
High, not treated
I do not know my cholesterol reading
Exercise I engage in regular exercise
I tend to walk 30 minutes a day at least four times a week
I am somewhat active
I am not active
Alcohol I do not drink alcohol
I have two drinks or less per day
I have three to four drinks several times a week
I have five or more drinks at any one time over the course of a month
Driving No violations in the last five years
I have been cited for one minor moving violation within the last five years
I have been cited for multiple minor moving violations within the last five years

  • Outliving retirement income - A 65-year-old has a 50% chance of living past 85, according to the National Center for Health Statistics.2 You'll need your retirement income to last.
  • Becoming disabled - Over 37 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans are in their working years, from 18-64.3
  • Requiring long-term care coverage - It is estimated that approximately 70% of people over age 65 will require long-term care services at some point in their lives.4

  1. National Geographic, U.S. Life Expectancy Map: The Gender Gap, 2013.
  2. National Vital Statistics Report, Vol. 61, No. 4, May 8, 2013.
  3. U.S. Census Bureau, American Community Survey, 2011
  4. U.S. Department of Heath and Human Services, National Clearinghouse for Long-Term Care information,, September 2008

Based on 2008 VBT Primary Table. Life Expectancy (LE) tables are based on actual mortality experience collected from sources such as the life insurance companies and the Social Security Administration. LE tables show the average probability of death by a certain age. The LE data provided is not necessarily indicative of life expectancy, and the insured may live longer than indicated by the table. The LE tables used are not tailored to a particular situation or risk class; rather, they are based on population averages and are presented to help form a generalized idea of potential ages at death.


Insurance policies and/or associated riders and features may not be available in all states. Insurance products are issued by John Hancock Life Insurance Company (U.S.A),197 Clarendon Street, Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, 100 Summit Lake Drive, 2nd floor, Valhalla, NY 10595.