查下生死簿，看自己还能活多久！ Benren2汇编 20171107 下面的表格来自美国社保局精算办公室，列出了根据美国2014年的死亡数据精算出来的按性别和年龄分段的预期死亡率和寿命。这组数据是社保局计算退休年龄和退休待遇多少的依据。 如果想知道自己今年突然离开人世的概率和还能活多少年，根据个人性别与年龄，查一下这生死簿里的数字，心中就有了些底子了。 例如，从表中可以查到，一个45岁的男性，在今年内向上帝报到的可能性是0.31%，预计还能多活34年。 又例如，一位95岁的女性，在今年内赶去投胎的可能性是21.47%，预计还能活3年多。 如果查到自己还有好多年活在人间，正确的对策应该是少花钱多赚钱，行善积德。
附表: 各年龄段死亡概率与预期寿命
年龄 | 男性 | 女性 | 死亡概率 | 存活年头 | 死亡概率 | 存活年头 | 0 | 0.63% | 76.3 | 0.53% | 81.1 | 1 | 0.04% | 75.8 | 0.03% | 80.5 | 2 | 0.03% | 74.8 | 0.02% | 79.6 | 3 | 0.02% | 73.9 | 0.02% | 78.6 | 4 | 0.02% | 72.9 | 0.01% | 77.6 | 5 | 0.02% | 71.9 | 0.01% | 76.6 | 6 | 0.01% | 70.9 | 0.01% | 75.6 | 7 | 0.01% | 69.9 | 0.01% | 74.6 | 8 | 0.01% | 68.9 | 0.01% | 73.6 | 9 | 0.01% | 67.9 | 0.01% | 72.6 | 10 | 0.01% | 66.9 | 0.01% | 71.7 | 11 | 0.01% | 65.9 | 0.01% | 70.7 | 12 | 0.01% | 65.0 | 0.01% | 69.7 | 13 | 0.02% | 64.0 | 0.01% | 68.7 | 14 | 0.03% | 63.0 | 0.02% | 67.7 | 15 | 0.04% | 62.0 | 0.02% | 66.7 | 16 | 0.05% | 61.0 | 0.02% | 65.7 | 17 | 0.06% | 60.1 | 0.03% | 64.7 | 18 | 0.07% | 59.1 | 0.03% | 63.7 | 19 | 0.09% | 58.1 | 0.03% | 62.8 | 20 | 0.10% | 57.2 | 0.04% | 61.8 | 21 | 0.12% | 56.2 | 0.04% | 60.8 | 22 | 0.13% | 55.3 | 0.04% | 59.8 | 23 | 0.13% | 54.4 | 0.05% | 58.9 | 24 | 0.13% | 53.4 | 0.05% | 57.9 | 25 | 0.13% | 52.5 | 0.05% | 56.9 | 26 | 0.14% | 51.6 | 0.06% | 55.9 | 27 | 0.14% | 50.7 | 0.06% | 55.0 | 28 | 0.14% | 49.7 | 0.06% | 54.0 | 29 | 0.15% | 48.8 | 0.06% | 53.0 | 30 | 0.15% | 47.9 | 0.07% | 52.1 | 31 | 0.15% | 46.9 | 0.07% | 51.1 | 32 | 0.16% | 46.0 | 0.08% | 50.1 | 33 | 0.16% | 45.1 | 0.08% | 49.2 | 34 | 0.17% | 44.2 | 0.09% | 48.2 | 35 | 0.17% | 43.2 | 0.09% | 47.3 | 36 | 0.18% | 42.3 | 0.10% | 46.3 | 37 | 0.19% | 41.4 | 0.11% | 45.3 | 38 | 0.19% | 40.4 | 0.12% | 44.4 | 39 | 0.20% | 39.5 | 0.12% | 43.4 | 40 | 0.21% | 38.6 | 0.13% | 42.5 | 41 | 0.23% | 37.7 | 0.14% | 41.6 | 42 | 0.24% | 36.8 | 0.16% | 40.6 | 43 | 0.26% | 35.9 | 0.17% | 39.7 | 44 | 0.28% | 35.0 | 0.18% | 38.7 | 45 | 0.31% | 34.0 | 0.20% | 37.8 | 46 | 0.34% | 33.2 | 0.22% | 36.9 | 47 | 0.37% | 32.3 | 0.24% | 36.0 | 48 | 0.41% | 31.4 | 0.26% | 35.1 | 49 | 0.45% | 30.5 | 0.29% | 34.1 | 50 | 0.50% | 29.6 | 0.32% | 33.2 | 51 | 0.55% | 28.8 | 0.35% | 32.3 | 52 | 0.60% | 27.9 | 0.38% | 31.5 | 53 | 0.66% | 27.1 | 0.41% | 30.6 | 54 | 0.72% | 26.3 | 0.44% | 29.7 | 55 | 0.78% | 25.5 | 0.48% | 28.8 | 56 | 0.85% | 24.7 | 0.52% | 28.0 | 57 | 0.92% | 23.9 | 0.55% | 27.1 | 58 | 0.99% | 23.1 | 0.59% | 26.3 | 59 | 1.06% | 22.3 | 0.63% | 25.4 | 60 | 1.14% | 21.6 | 0.67% | 24.6 | 61 | 1.22% | 20.8 | 0.72% | 23.7 | 62 | 1.31% | 20.0 | 0.77% | 22.9 | 63 | 1.39% | 19.3 | 0.83% | 22.1 | 64 | 1.48% | 18.6 | 0.90% | 21.3 | 65 | 1.58% | 17.8 | 0.98% | 20.4 | 66 | 1.70% | 17.1 | 1.07% | 19.6 | 67 | 1.83% | 16.4 | 1.18% | 18.8 | 68 | 1.98% | 15.7 | 1.29% | 18.1 | 69 | 2.14% | 15.0 | 1.41% | 17.3 | 70 | 2.34% | 14.3 | 1.56% | 16.5 | 71 | 2.55% | 13.7 | 1.73% | 15.8 | 72 | 2.79% | 13.0 | 1.90% | 15.1 | 73 | 3.04% | 12.4 | 2.09% | 14.3 | 74 | 3.31% | 11.7 | 2.29% | 13.6 | 75 | 3.63% | 11.1 | 2.53% | 12.9 | 76 | 3.99% | 10.5 | 2.80% | 12.3 | 77 | 4.39% | 9.9 | 3.11% | 11.6 | 78 | 4.83% | 9.4 | 3.46% | 11.0 | 79 | 5.31% | 8.8 | 3.85% | 10.3 | 80 | 5.87% | 8.3 | 4.30% | 9.7 | 81 | 6.51% | 7.8 | 4.82% | 9.1 | 82 | 7.21% | 7.3 | 5.38% | 8.6 | 83 | 7.99% | 6.8 | 5.98% | 8.0 | 84 | 8.85% | 6.3 | 6.64% | 7.5 | 85 | 9.81% | 5.9 | 7.38% | 7.0 | 86 | 10.89% | 5.5 | 8.24% | 6.5 | 87 | 12.09% | 5.1 | 9.22% | 6.1 | 88 | 13.41% | 4.7 | 10.33% | 5.6 | 89 | 14.87% | 4.4 | 11.57% | 5.2 | 90 | 16.45% | 4.1 | 12.95% | 4.9 | 91 | 18.16% | 3.8 | 14.44% | 4.5 | 92 | 19.99% | 3.5 | 16.06% | 4.2 | 93 | 21.93% | 3.3 | 17.79% | 3.9 | 94 | 23.99% | 3.1 | 19.62% | 3.6 | 95 | 26.03% | 2.9 | 21.47% | 3.4 | 96 | 28.01% | 2.7 | 23.31% | 3.2 | 97 | 29.90% | 2.5 | 25.11% | 3.0 | 98 | 31.66% | 2.4 | 26.83% | 2.8 | 99 | 33.24% | 2.3 | 28.44% | 2.6 | 100 | 34.90% | 2.2 | 30.15% | 2.5 | 101 | 36.65% | 2.0 | 31.96% | 2.3 | 102 | 38.48% | 1.9 | 33.87% | 2.2 | 103 | 40.40% | 1.8 | 35.91% | 2.1 | 104 | 42.42% | 1.7 | 38.06% | 1.9 | 105 | 44.55% | 1.6 | 40.34% | 1.8 | 106 | 46.77% | 1.5 | 42.76% | 1.7 | 107 | 49.11% | 1.5 | 45.33% | 1.6 | 108 | 51.57% | 1.4 | 48.05% | 1.5 | 109 | 54.15% | 1.3 | 50.93% | 1.4 | 110 | 56.85% | 1.2 | 53.99% | 1.3 | 111 | 59.70% | 1.1 | 57.23% | 1.2 | 112 | 62.68% | 1.1 | 60.66% | 1.1 | 113 | 65.81% | 1.0 | 64.30% | 1.0 | 114 | 69.10% | 0.9 | 68.16% | 0.9 | 115 | 72.56% | 0.9 | 72.25% | 0.9 | 116 | 76.19% | 0.8 | 76.19% | 0.8 | 117 | 80.00% | 0.7 | 80.00% | 0.7 | 118 | 84.00% | 0.7 | 84.00% | 0.7 | 119 | 88.20% | 0.6 | 88.20% | 0.6 |
参考资料 https://www.ssa.gov/oact/STATS/table4c6.html
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