What are the odds? Mortality calculators


Given that it’s Life Insurance Awareness Month, we thought we might offer a few tools for you to assess your risk of imminent mortality. We’ve mixed the serious with the silly to lighten things up a bit.

Heart Disease Risk Calculator – estimate your chance of a cardiac event or a stroke in the next 10 years.

Are you likely to die of a shark attack? Compare the relative risk of shark attacks to humans to various other risks.

Life Expectancy Table – find your age and your sex to learn the additional number of years you may expect to live.

The Death Clock bills itself as “the Internet’s friendly reminder that life is slipping away… second by second.” Enter your date of birth, sex, bmi and smoking status. You can choose to your results on a scale ranging from “sadistic” to “optimistic” – or just plain “normal.”

Life expectancy and your chances of reaching 100


Are you planning to live to be 100? There are about 250,000 centenarians alive today, including several hundred “supercentarians” aged 110+ years. You can get a good idea of your chances of joining their ranks with the Living to 100 Life Expectancy Calculator. This calculator asks you 40 quick questions related to your health and family history, and takes about 10 minutes to complete. It uses medical and scientific data to estimate how old you will live to be. In addition to estimating your life expectancy, it offers a “to-do” list for you and your physician, along with a list of things you can do differently and how many years you will likely add to your life if you do so.

This calculator was developed by Doctor Thomas Perls who is the founder and director of the New England Centenarian Study, the largest study of its kind in the world. We like it because it gets you thinking about lifestyle factors that can influence your odds. But for those of you who want a shortcut, you can get an estimate of your remaining years by viewing the life expectancy chart published by the Office of the Actuary of the Social Security Administration.

Interestingly, according to the CIA World Factbook’s life expectancy chart ranking various countries, here in the U.S., we rank at #50 at 78 year and 11 months. Macau tops the chart with a life expectancy of 84.36 years. Here are some of the oldest people on earth. View portraits and read the stories of some people whose lives span three centuries.

By the way, if you are planning to live to 100, make sure your retirement planning takes that into account – life expectancy is an important factor in your financial planning – talk to your insurance agent if you expect to join the ranks of centenarians!