A Guide To Life Insurance - The Basic Principles ....


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The Basic Principles...

Table 1 Average life table.

The following life table has been constructed from the mortality experience of the population of England and Wales during the three-year period 2011-12.

The column headed lx shows, for each sex, the numbers who would survive to exactly age x out of 10,000 born who were subject throughout their lives to the recorded death rates of the period.

Column ex is the "expectation of life", that is the average future lifetime which would be lived by persons aged exactly x if likewise subject to those death rates. (more at www.ons.gov.uk/ons/rel/lifetables/interim-life-tables/2008-2018 /sum-ilt-2008-10.html)


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Averaging 78.2 years for men and for a woman 82.3 years, the individual's chances of getting there depend on a host of factors, including heredity (natural longevity or predisposition to certain types of illness), habits (smoking and drinking), activities (sports, travel) and occupation (risky ones such as motor racing cannot improve your chances), to name only the most obvious.
The fact is that to plan (or rather not to plan) on the basis of a future life free of accident or illness is........ see: click here for Life Expectancy More


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