Last amended: 15 December 2009
How to use life expectancy tables
The following table shows how to select and use the appropriate life expectancy table in the assessment of an income stream.
|
Step |
Action |
|
1 |
Determine the commencement day of the income stream to be assessed and ensure that the correct table is used.
|
|
2 |
Determine which persons the relevant number must be obtained for.
|
|
3 |
Look down the age column to find the age of those persons at the commencement day in whole years. |
|
4 |
Move across to the corresponding life expectancy factor (one for males, the other for females). |
Table of life expectancy
The following table shows life expectancy factors used for calculating the relevant number for males and females. The factors are based on the 2005 to 2007 life tables, published by the Australian Government Actuary. The table relates to income streams with a commencement day on or after 1 January 2010 but before 1 January 2015.
|
Age |
M |
F |
Age |
M |
F |
Age |
M |
F |
|
15 |
64.59 |
69.17 |
44 |
36.96 |
40.85 |
73 |
12.64 |
15.03 |
|
16 |
63.61 |
68.19 |
45 |
36.03 |
39.90 |
74 |
11.96 |
14.27 |
|
17 |
62.63 |
67.20 |
46 |
35.10 |
38.95 |
75 |
11.31 |
13.51 |
|
18 |
61.66 |
66.22 |
47 |
34.18 |
38.00 |
76 |
10.68 |
12.78 |
|
19 |
60.71 |
65.24 |
48 |
33.26 |
37.05 |
77 |
10.07 |
12.05 |
|
20 |
59.75 |
64.25 |
49 |
32.34 |
36.11 |
78 |
9.48 |
11.35 |
|
21 |
58.80 |
63.27 |
50 |
31.43 |
35.17 |
79 |
8.92 |
10.67 |
|
22 |
57.84 |
62.29 |
51 |
30.53 |
34.24 |
80 |
8.38 |
10.01 |
|
23 |
56.88 |
61.31 |
52 |
29.63 |
33.31 |
81 |
7.86 |
9.37 |
|
24 |
55.93 |
60.32 |
53 |
28.73 |
32.38 |
82 |
7.36 |
8.75 |
|
25 |
54.97 |
59.34 |
54 |
27.84 |
31.45 |
83 |
6.89 |
8.17 |
|
26 |
54.02 |
58.36 |
55 |
26.95 |
30.53 |
84 |
6.45 |
7.61 |
|
27 |
53.06 |
57.38 |
56 |
26.08 |
29.61 |
85 |
6.03 |
7.08 |
|
28 |
52.11 |
56.40 |
57 |
25.20 |
28.70 |
86 |
5.64 |
6.58 |
|
29 |
51.16 |
55.42 |
58 |
24.34 |
27.79 |
87 |
5.27 |
6.11 |
|
30 |
50.20 |
54.44 |
59 |
23.48 |
26.89 |
88 |
4.94 |
5.68 |
|
31 |
49.25 |
53.46 |
60 |
22.63 |
26.00 |
89 |
4.63 |
5.28 |
|
32 |
48.30 |
52.48 |
61 |
21.79 |
25.11 |
90 |
4.36 |
4.91 |
|
33 |
47.35 |
51.50 |
62 |
20.96 |
24.23 |
91 |
4.11 |
4.57 |
|
34 |
46.40 |
50.52 |
63 |
20.14 |
23.35 |
92 |
3.89 |
4.27 |
|
35 |
45.45 |
49.55 |
64 |
19.34 |
22.48 |
93 |
3.69 |
3.99 |
|
36 |
44.50 |
48.58 |
65 |
18.54 |
21.62 |
94 |
3.51 |
3.75 |
|
37 |
43.55 |
47.60 |
66 |
17.76 |
20.76 |
95 |
3.36 |
3.53 |
|
38 |
42.60 |
46.63 |
67 |
16.99 |
19.92 |
96 |
3.22 |
3.33 |
|
39 |
41.66 |
45.66 |
68 |
16.24 |
19.08 |
97 |
3.10 |
3.16 |
|
40 |
40.71 |
44.70 |
69 |
15.49 |
18.24 |
98 |
2.99 |
3.00 |
|
41 |
39.77 |
43.73 |
70 |
14.76 |
17.42 |
99 |
2.90 |
2.86 |
|
42 |
38.83 |
42.77 |
71 |
14.04 |
16.61 |
100 |
2.81 |
2.74 |
|
43 |
37.89 |
41.81 |
72 |
13.33 |
15.82 |
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