This method is designed to show how life insurance companies project the life expectancy of persons between 20 and 65 who are reasonably healthy.
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Start with the number 72. | ![]() |
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If you are a male subtract 3, if female add 4. | ![]() |
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If you live in a city of more
than 2,000,000,
subtract 2. |
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If you live in a town under 10,000 add 2. | ![]() |
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City life means pollution and tension. | |||
If you work behind a desk subtract 3. | ![]() |
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If your work requires regular heavy physical labor, add 3. | ![]() |
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If you live with a spouse or friend, add 5. | ![]() |
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If not, subtract 1 for every 10 years alone since age 25. | ![]() |
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People who live together
eat better, take care of each other
and are less depressed. |
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Sleep more than 10 hours each night? Subtract 4. | ![]() |
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Excessive sleep is a sign of depression, circulatory diseases. | |||
Are you intense, aggressive, easily angered? Subtract 3. | ![]() |
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Are you easygoing, relaxed, a follower? Add 3. | ![]() |
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Are you happy? Add 1. | ![]() |
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Unhappy? Subtract 2. | ![]() |
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Have you had a speeding ticket in the last year? Subtract 1. | ![]() |
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Earn over $75,000 per year? Subtract 2. | ![]() |
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Wealth breeds high living, tension. | |||
If you finished university, add 1. | ![]() |
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If you have a graduate or professional degree, add 2 more. | ![]() |
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Education seems to lead to moderation; at least that's theroy. | |||
If you are 65 and over and still working, add 3. | ![]() |
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Retirement kills. | |||
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If a grandparent lived to 85, add 2. If all 4 lived to 80, add 6. | ![]() |
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If either parent died of a stroke or heart attack before age 50, subtract 4. | ![]() |
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If any parent, brother or sister under 50 has or (had) cancer or heart condition, or has had diabetes since childhood, subtract 4. | ![]() |
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Smoke more than two packs a day? Subtract 8. | ![]() |
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One to two packs per day? Subtract 6. | ![]() |
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One half to one pack per day? Subtract 3. | ![]() |
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Drink the equivalent of quarter bottle of liquor a day? Subtract 1. | ![]() |
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Overweight by 50 Lbs. or more? Subtract 8. | ![]() |
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Overweight by 30 to 50 Lbs.? Subtract 4. | ![]() |
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Overweight by 10 to 30 Lbs.? Subtract 2. | ![]() |
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Men over 40, if you have annual checkups, add 2. | ![]() |
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Women if you see a gynecologist once a year, add 2. | ![]() |
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If you are between 30 and 40 - Add 2 | ![]() |
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If you are between 40 and 50 - Add 3. | ![]() |
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If you are between 50 and 70 - Add 4. | ![]() |
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If you are over 70 - Add 5. | ![]() |
Adapted from http://www.acbonline.com/life_exp.htm and the Rathus book