Male/Female Joint Life Expectancies Based on Annuity 2000 Mortality Table There are two male/female joint and survivor life expectancy tables below:

• Two lives, male and female, joint and survivor, male is the younger age

• Two lives, male and female, joint and survivor, female is the younger age

The tables are based on the Annuity 2000 mortality table. The Annuity 2000 mortality table was adopted by the National Association of Insurance Commissioners in 1996 as an appropriate table for valuing annuity interests. Most states that require charities to maintain gift annuity reserves now require use of the Annuity 2000 table for computing reserves for recent gifts. The Annuity 2000 table is sex-biased, meaning that males have a different mortality than females.

Two lives, male and female, joint and survivor, male is the younger age To determine the joint and survivor life expectancy of two people, the younger age male and the older age female, find the two age, then read the number in the box to the right of the female age. For example, the joint and survivor life expectancy of a couple, male age 50 and female age 51, is 40.8 years. This means that there's a 50% chance that one or the other of them will live at least another 40.8 years.

The life expectancy table starts on the next page.

Two lives, male and female, joint and survivor, male is the younger age

Male Female Exp. Male Female Exp. Male Female Exp. 50 50 41.4 51 51 40.4 52 52 39.5 50 51 40.8 51 52 39.9 52 53 38.9 50 52 40.3 51 53 39.3 52 54 38.4 50 53 39.8 51 54 38.8 52 55 37.9 50 54 39.3 51 55 38.3 52 56 37.4 50 55 38.9 51 56 37.9 52 57 36.9 50 56 38.4 51 57 37.5 52 58 36.5 50 57 38 51 58 37.1 52 59 36.1 50 58 37.6 51 59 36.7 52 60 35.7 50 59 37.3 51 60 36.3 52 61 35.4 50 60 36.9 51 61 36 52 62 35 50 61 36.6 51 62 35.7 52 63 34.7 50 62 36.3 51 63 35.4 52 64 34.4 50 63 36.1 51 64 35.1 52 65 34.2 50 64 35.8 51 65 34.9 52 66 33.9 50 65 35.6 51 66 34.6 52 67 33.7 50 66 35.4 51 67 34.4 52 68 33.5 50 67 35.2 51 68 34.2 52 69 33.3 50 68 35 51 69 34 52 70 33.1 50 69 34.8 51 70 33.9 52 71 32.9 50 70 34.7 51 71 33.7 52 72 32.8 50 71 34.5 51 72 33.6 52 73 32.7 50 72 34.4 51 73 33.5 52 74 32.5 50 73 34.3 51 74 33.4 52 75 32.4 50 74 34.2 51 75 33.3 52 76 32.3 50 75 34.1 51 76 33.2 52 77 32.2 50 76 34 51 77 33.1 52 78 32.2 50 77 33.9 51 78 33 52 79 32.1 50 78 33.9 51 79 32.9 52 80 32 50 79 33.8 51 80 32.9 52 81 32 50 80 33.7 51 81 32.8 52 82 31.9 50 81 33.7 51 82 32.8 52 83 31.9 50 82 33.7 51 83 32.7 52 84 31.8 50 83 33.6 51 84 32.7 52 85 31.8 50 84 33.6 51 85 32.7 52 86 31.8 50 85 33.6 51 86 32.6 52 87 31.7 50 86 33.5 51 87 32.6 52 88 31.7 50 87 33.5 51 88 32.6 52 89 31.7 50 88 33.5 51 89 32.6 52 90 31.7 50 89 33.5 51 90 32.6 52 91 31.7 50 90 33.4 51 91 32.5 52 92 31.6 50 91 33.4 51 92 32.5 52 93 31.6 50 92 33.4 51 93 32.5 52 94 31.6 50 93 33.4 51 94 32.5 52 95 31.6 50 94 33.4 51 95 32.5 52 96 31.6 50 95 33.4 51 96 32.5 52 97 31.6 50 96 33.4 51 97 32.5 52 98 31.6 50 97 33.4 51 98 32.5 52 99 31.6 50 98 33.4 51 99 32.5 52 100 31.6 50 99 33.4 51 100 32.5 52 101 31.6 50 100 33.4 51 101 32.5 52 102 31.6 50 101 33.4 51 102 32.5 52 103 31.6 50 102 33.4 51 103 32.5 52 104 31.6 50 103 33.4 51 104 32.5 52 105 31.6 50 104 33.4 51 105 32.4 52 106 31.6 50 105 33.3 51 106 32.4 52 107 31.5 50 106 33.3 51 107 32.4 52 108 31.5 50 107 33.3 51 108 32.4 52 109 31.5 50 108 33.3 51 109 32.4 52 110 31.5 50 109 33.3 51 110 32.4 50 110 33.3

Two lives, male and female, joint and survivor, male is the younger age (continued)

Male Female Exp. Male Female Exp. Male Female Exp. 53 53 38.5 54 57 35.9 55 62 33.2 53 54 37.9 54 58 35.5 55 63 32.9 53 55 37.4 54 59 35 55 64 32.5 53 56 36.9 54 60 34.6 55 65 32.2 53 57 36.4 54 61 34.2 55 66 31.9 53 58 36 54 62 33.8 55 67 31.6 53 59 35.5 54 63 33.5 55 68 31.3 53 60 35.1 54 64 33.1 55 69 31.1 53 61 34.8 54 65 32.8 55 70 30.9 53 62 34.4 54 66 32.5 55 71 30.7 53 63 34.1 54 67 32.3 55 72 30.5 53 64 33.8 54 68 32 55 73 30.3 53 65 33.5 54 69 31.8 55 74 30.2 53 66 33.2 54 70 31.6 55 75 30 53 67 33 54 71 31.4 55 76 29.9 53 68 32.7 54 72 31.2 55 77 29.8 53 69 32.5 54 73 31.1 55 78 29.7 53 70 32.3 54 74 30.9 55 79 29.6 53 71 32.2 54 75 30.8 55 80 29.5 53 72 32 54 76 30.7 55 81 29.4 53 73 31.9 54 77 30.6 55 82 29.4 53 74 31.7 54 78 30.5 55 83 29.3 53 75 31.6 54 79 30.4 55 84 29.3 53 76 31.5 54 80 30.3 55 85 29.2 53 77 31.4 54 81 30.3 55 86 29.2 53 78 31.3 54 82 30.2 55 87 29.1 53 79 31.2 54 83 30.2 55 88 29.1 53 80 31.2 54 84 30.1 55 89 29.1 53 81 31.1 54 85 30.1 55 90 29.1 53 82 31.1 54 86 30 55 91 29 53 83 31 54 87 30 55 92 29 53 84 31 54 88 30 55 93 29 53 85 30.9 54 89 29.9 55 94 29 53 86 30.9 54 90 29.9 55 95 29 53 87 30.9 54 91 29.9 55 96 29 53 88 30.8 54 92 29.9 55 97 29 53 89 30.8 54 93 29.9 55 98 29 53 90 30.8 54 94 29.9 55 99 28.9 53 91 30.8 54 95 29.9 55 100 28.9 53 92 30.8 54 96 29.8 55 101 28.9 53 93 30.7 54 97 29.8 55 102 28.9 53 94 30.7 54 98 29.8 55 103 28.9 53 95 30.7 54 99 29.8 55 104 28.9 53 96 30.7 54 100 29.8 55 105 28.9 53 97 30.7 54 101 29.8 55 106 28.9 53 98 30.7 54 102 29.8 55 107 28.9 53 99 30.7 54 103 29.8 55 108 28.9 53 100 30.7 54 104 29.8 55 109 28.9 53 101 30.7 54 105 29.8 55 110 28.9 53 102 30.7 54 106 29.8 56 56 35.6 53 103 30.7 54 107 29.8 56 57 35.1 53 104 30.7 54 108 29.8 56 58 34.5 53 105 30.7 54 109 29.8 56 59 34 53 106 30.7 54 110 29.8 56 60 33.6 53 107 30.7 55 55 36.6 56 61 33.1 53 108 30.7 55 56 36 56 62 32.7 53 109 30.7 55 57 35.5 56 63 32.3 53 110 30.7 55 58 35 56 64 31.9 54 54 37.5 55 59 34.5 56 65 31.6 54 55 37 55 60 34.1 56 66 31.2 54 56 36.4 55 61 33.6 56 67 30.9

Two lives, male and female, joint and survivor, male is the younger age (continued)

Male Female Exp. Male Female Exp. Male Female Exp. 56 68 30.7 57 75 28.5 58 83 26.8 56 69 30.4 57 76 28.3 58 84 26.8 56 70 30.2 57 77 28.2 58 85 26.7 56 71 29.9 57 78 28.1 58 86 26.7 56 72 29.7 57 79 28 58 87 26.6 56 73 29.6 57 80 27.9 58 88 26.6 56 74 29.4 57 81 27.8 58 89 26.5 56 75 29.2 57 82 27.7 58 90 26.5 56 76 29.1 57 83 27.6 58 91 26.5 56 77 29 57 84 27.6 58 92 26.5 56 78 28.9 57 85 27.5 58 93 26.4 56 79 28.8 57 86 27.5 58 94 26.4 56 80 28.7 57 87 27.4 58 95 26.4 56 81 28.6 57 88 27.4 58 96 26.4 56 82 28.5 57 89 27.4 58 97 26.4 56 83 28.5 57 90 27.4 58 98 26.4 56 84 28.4 57 91 27.3 58 99 26.4 56 85 28.4 57 92 27.3 58 100 26.4 56 86 28.3 57 93 27.3 58 101 26.3 56 87 28.3 57 94 27.3 58 102 26.3 56 88 28.3 57 95 27.3 58 103 26.3 56 89 28.2 57 96 27.2 58 104 26.3 56 90 28.2 57 97 27.2 58 105 26.3 56 91 28.2 57 98 27.2 58 106 26.3 56 92 28.2 57 99 27.2 58 107 26.3 56 93 28.1 57 100 27.2 58 108 26.3 56 94 28.1 57 101 27.2 58 109 26.3 56 95 28.1 57 102 27.2 58 110 26.3 56 96 28.1 57 103 27.2 59 59 32.7 56 97 28.1 57 104 27.2 59 60 32.2 56 98 28.1 57 105 27.2 59 61 31.7 56 99 28.1 57 106 27.2 59 62 31.2 56 100 28.1 57 107 27.2 59 63 30.7 56 101 28.1 57 108 27.2 59 64 30.3 56 102 28.1 57 109 27.2 59 65 29.9 56 103 28 57 110 27.2 59 66 29.5 56 104 28 58 58 33.7 59 67 29.1 56 105 28 58 59 33.1 59 68 28.8 56 106 28 58 60 32.6 59 69 28.5 56 107 28 58 61 32.1 59 70 28.2 56 108 28 58 62 31.7 59 71 27.9 56 109 28 58 63 31.2 59 72 27.6 56 110 28 58 64 30.8 59 73 27.4 57 57 34.6 58 65 30.4 59 74 27.2 57 58 34.1 58 66 30 59 75 27 57 59 33.6 58 67 29.7 59 76 26.8 57 60 33.1 58 68 29.4 59 77 26.7 57 61 32.6 58 69 29.1 59 78 26.5 57 62 32.2 58 70 28.8 59 79 26.4 57 63 31.7 58 71 28.6 59 80 26.3 57 64 31.3 58 72 28.3 59 81 26.2 57 65 31 58 73 28.1 59 82 26.1 57 66 30.6 58 74 27.9 59 83 26 57 67 30.3 58 75 27.7 59 84 25.9 57 68 30 58 76 27.6 59 85 25.9 57 69 29.7 58 77 27.4 59 86 25.8 57 70 29.5 58 78 27.3 59 87 25.8 57 71 29.2 58 79 27.2 59 88 25.7 57 72 29 58 80 27.1 59 89 25.7 57 73 28.8 58 81 27 59 90 25.7 57 74 28.6 58 82 26.9 59 91 25.6

Two lives, male and female, joint and survivor, male is the younger age (continued)

Male Female Exp. Male Female Exp. Male Female Exp. 59 92 25.6 60 102 24.6 62 64 28.9 59 93 25.6 60 103 24.6 62 65 28.4 59 94 25.6 60 104 24.6 62 66 27.9 59 95 25.6 60 105 24.6 62 67 27.5 59 96 25.5 60 106 24.6 62 68 27.1 59 97 25.5 60 107 24.6 62 69 26.7 59 98 25.5 60 108 24.6 62 70 26.3 59 99 25.5 60 109 24.6 62 71 26 59 100 25.5 60 110 24.6 62 72 25.7 59 101 25.5 61 61 30.9 62 73 25.4 59 102 25.5 61 62 30.3 62 74 25.2 59 103 25.5 61 63 29.8 62 75 24.9 59 104 25.5 61 64 29.3 62 76 24.7 59 105 25.5 61 65 28.8 62 77 24.5 59 106 25.5 61 66 28.4 62 78 24.3 59 107 25.5 61 67 28 62 79 24.2 59 108 25.5 61 68 27.6 62 80 24 59 109 25.4 61 69 27.3 62 81 23.9 59 110 25.4 61 70 26.9 62 82 23.8 60 60 31.8 61 71 26.6 62 83 23.7 60 61 31.3 61 72 26.3 62 84 23.6 60 62 30.7 61 73 26.1 62 85 23.5 60 63 30.2 61 74 25.8 62 86 23.4 60 64 29.8 61 75 25.6 62 87 23.4 60 65 29.3 61 76 25.4 62 88 23.3 60 66 28.9 61 77 25.2 62 89 23.3 60 67 28.5 61 78 25.1 62 90 23.2 60 68 28.2 61 79 24.9 62 91 23.2 60 69 27.8 61 80 24.8 62 92 23.1 60 70 27.5 61 81 24.6 62 93 23.1 60 71 27.2 61 82 24.5 62 94 23.1 60 72 27 61 83 24.4 62 95 23.1 60 73 26.7 61 84 24.4 62 96 23 60 74 26.5 61 85 24.3 62 97 23 60 75 26.3 61 86 24.2 62 98 23 60 76 26.1 61 87 24.2 62 99 23 60 77 25.9 61 88 24.1 62 100 23 60 78 25.8 61 89 24.1 62 101 23 60 79 25.6 61 90 24 62 102 23 60 80 25.5 61 91 24 62 103 23 60 81 25.4 61 92 24 62 104 22.9 60 82 25.3 61 93 23.9 62 105 22.9 60 83 25.2 61 94 23.9 62 106 22.9 60 84 25.1 61 95 23.9 62 107 22.9 60 85 25.1 61 96 23.9 62 108 22.9 60 86 25 61 97 23.9 62 109 22.9 60 87 25 61 98 23.8 62 110 22.9 60 88 24.9 61 99 23.8 63 63 29 60 89 24.9 61 100 23.8 63 64 28.4 60 90 24.8 61 101 23.8 63 65 27.9 60 91 24.8 61 102 23.8 63 66 27.5 60 92 24.8 61 103 23.8 63 67 27 60 93 24.8 61 104 23.8 63 68 26.6 60 94 24.7 61 105 23.8 63 69 26.2 60 95 24.7 61 106 23.8 63 70 25.8 60 96 24.7 61 107 23.8 63 71 25.4 60 97 24.7 61 108 23.8 63 72 25.1 60 98 24.7 61 109 23.8 63 73 24.8 60 99 24.7 61 110 23.8 63 74 24.5 60 100 24.7 62 62 29.9 63 75 24.3 60 101 24.6 62 63 29.4 63 76 24

Two lives, male and female, joint and survivor, male is the younger age (continued)

Male Female Exp. Male Female Exp. Male Female Exp. 63 77 23.8 64 91 21.6 65 106 20.5 63 78 23.6 64 92 21.5 65 107 20.5 63 79 23.5 64 93 21.5 65 108 20.5 63 80 23.3 64 94 21.5 65 109 20.5 63 81 23.2 64 95 21.4 65 110 20.5 63 82 23 64 96 21.4 66 66 26.2 63 83 22.9 64 97 21.4 66 67 25.7 63 84 22.8 64 98 21.4 66 68 25.2 63 85 22.7 64 99 21.4 66 69 24.7 63 86 22.6 64 100 21.4 66 70 24.3 63 87 22.6 64 101 21.3 66 71 23.9 63 88 22.5 64 102 21.3 66 72 23.5 63 89 22.5 64 103 21.3 66 73 23.1 63 90 22.4 64 104 21.3 66 74 22.8 63 91 22.4 64 105 21.3 66 75 22.4 63 92 22.3 64 106 21.3 66 76 22.2 63 93 22.3 64 107 21.3 66 77 21.9 63 94 22.3 64 108 21.3 66 78 21.7 63 95 22.3 64 109 21.3 66 79 21.4 63 96 22.2 64 110 21.3 66 80 21.2 63 97 22.2 65 65 27.1 66 81 21 63 98 22.2 65 66 26.6 66 82 20.9 63 99 22.2 65 67 26.1 66 83 20.7 63 100 22.2 65 68 25.6 66 84 20.6 63 101 22.2 65 69 25.2 66 85 20.5 63 102 22.1 65 70 24.8 66 86 20.4 63 103 22.1 65 71 24.4 66 87 20.3 63 104 22.1 65 72 24 66 88 20.2 63 105 22.1 65 73 23.6 66 89 20.1 63 106 22.1 65 74 23.3 66 90 20.1 63 107 22.1 65 75 23 66 91 20 63 108 22.1 65 76 22.8 66 92 20 63 109 22.1 65 77 22.5 66 93 19.9 63 110 22.1 65 78 22.3 66 94 19.9 64 64 28 65 79 22.1 66 95 19.9 64 65 27.5 65 80 21.9 66 96 19.8 64 66 27 65 81 21.7 66 97 19.8 64 67 26.5 65 82 21.6 66 98 19.8 64 68 26.1 65 83 21.4 66 99 19.8 64 69 25.7 65 84 21.3 66 100 19.8 64 70 25.3 65 85 21.2 66 101 19.7 64 71 24.9 65 86 21.1 66 102 19.7 64 72 24.5 65 87 21 66 103 19.7 64 73 24.2 65 88 21 66 104 19.7 64 74 23.9 65 89 20.9 66 105 19.7 64 75 23.6 65 90 20.8 66 106 19.7 64 76 23.4 65 91 20.8 66 107 19.7 64 77 23.2 65 92 20.8 66 108 19.7 64 78 22.9 65 93 20.7 66 109 19.7 64 79 22.8 65 94 20.7 66 110 19.7 64 80 22.6 65 95 20.7 67 67 25.3 64 81 22.4 65 96 20.6 67 68 24.8 64 82 22.3 65 97 20.6 67 69 24.3 64 83 22.2 65 98 20.6 67 70 23.8 64 84 22.1 65 99 20.6 67 71 23.4 64 85 22 65 100 20.5 67 72 23 64 86 21.9 65 101 20.5 67 73 22.6 64 87 21.8 65 102 20.5 67 74 22.2 64 88 21.7 65 103 20.5 67 75 21.9 64 89 21.7 65 104 20.5 67 76 21.6 64 90 21.6 65 105 20.5 67 77 21.3

Two lives, male and female, joint and survivor, male is the younger age (continued) Male Female Exp. Male Female Exp. Male Female Exp. 67 78 21 68 96 18.3 70 74 20.8 67 79 20.8 68 97 18.3 70 75 20.4 67 80 20.6 68 98 18.3 70 76 20 67 81 20.4 68 99 18.3 70 77 19.7 67 82 20.2 68 100 18.2 70 78 19.3 67 83 20.1 68 101 18.2 70 79 19.1 67 84 19.9 68 102 18.2 70 80 18.8 67 85 19.8 68 103 18.2 70 81 18.6 67 86 19.7 68 104 18.2 70 82 18.3 67 87 19.6 68 105 18.1 70 83 18.1 67 88 19.5 68 106 18.1 70 84 18 67 89 19.4 68 107 18.1 70 85 17.8 67 90 19.3 68 108 18.1 70 86 17.7 67 91 19.3 68 109 18.1 70 87 17.5 67 92 19.2 68 110 18.1 70 88 17.4 67 93 19.2 69 69 23.5 70 89 17.3 67 94 19.2 69 70 23 70 90 17.2 67 95 19.1 69 71 22.5 70 91 17.2 67 96 19.1 69 72 22 70 92 17.1 67 97 19.1 69 73 21.6 70 93 17 67 98 19 69 74 21.2 70 94 17 67 99 19 69 75 20.8 70 95 16.9 67 100 19 69 76 20.5 70 96 16.9 67 101 19 69 77 20.2 70 97 16.9 67 102 18.9 69 78 19.9 70 98 16.8 67 103 18.9 69 79 19.6 70 99 16.8 67 104 18.9 69 80 19.4 70 100 16.8 67 105 18.9 69 81 19.1 70 101 16.7 67 106 18.9 69 82 18.9 70 102 16.7 67 107 18.9 69 83 18.8 70 103 16.7 67 108 18.9 69 84 18.6 70 104 16.7 67 109 18.9 69 85 18.4 70 105 16.7 67 110 18.9 69 86 18.3 70 106 16.6 68 68 24.4 69 87 18.2 70 107 16.6 68 69 23.9 69 88 18.1 70 108 16.6 68 70 23.4 69 89 18 70 109 16.6 68 71 22.9 69 90 17.9 70 110 16.6 68 72 22.5 69 91 17.8 71 71 21.7 68 73 22.1 69 92 17.8 71 72 21.2 68 74 21.7 69 93 17.7 71 73 20.8 68 75 21.4 69 94 17.7 71 74 20.3 68 76 21 69 95 17.6 71 75 19.9 68 77 20.7 69 96 17.6 71 76 19.5 68 78 20.4 69 97 17.6 71 77 19.2 68 79 20.2 69 98 17.5 71 78 18.8 68 80 20 69 99 17.5 71 79 18.5 68 81 19.8 69 100 17.5 71 80 18.2 68 82 19.6 69 101 17.5 71 81 18 68 83 19.4 69 102 17.4 71 82 17.8 68 84 19.2 69 103 17.4 71 83 17.5 68 85 19.1 69 104 17.4 71 84 17.4 68 86 19 69 105 17.4 71 85 17.2 68 87 18.9 69 106 17.4 71 86 17 68 88 18.8 69 107 17.4 71 87 16.9 68 89 18.7 69 108 17.4 71 88 16.8 68 90 18.6 69 109 17.4 71 89 16.7 68 91 18.6 69 110 17.3 71 90 16.6 68 92 18.5 70 70 22.6 71 91 16.5 68 93 18.5 70 71 22.1 71 92 16.4 68 94 18.4 70 72 21.6 71 93 16.4 68 95 18.4 70 73 21.2 71 94 16.3

Two lives, male and female, joint and survivor, male is the younger age (continued) Male Female Exp. Male Female Exp. Male Female Exp. 71 95 16.2 73 79 17.5 74 103 14 71 96 16.2 73 80 17.2 74 104 13.9 71 97 16.2 73 81 16.9 74 105 13.9 71 98 16.1 73 82 16.7 74 106 13.9 71 99 16.1 73 83 16.4 74 107 13.9 71 100 16.1 73 84 16.2 74 108 13.9 71 101 16 73 85 16 74 109 13.8 71 102 16 73 86 15.8 74 110 13.8 71 103 16 73 87 15.7 75 75 18.4 71 104 16 73 88 15.5 75 76 17.9 71 105 15.9 73 89 15.4 75 77 17.4 71 106 15.9 73 90 15.3 75 78 17 71 107 15.9 73 91 15.2 75 79 16.7 71 108 15.9 73 92 15.1 75 80 16.3 71 109 15.9 73 93 15.1 75 81 16 71 110 15.9 73 94 15 75 82 15.7 72 72 20.9 73 95 14.9 75 83 15.4 72 73 20.4 73 96 14.9 75 84 15.2 72 74 19.9 73 97 14.8 75 85 15 72 75 19.5 73 98 14.8 75 86 14.8 72 76 19.1 73 99 14.7 75 87 14.6 72 77 18.7 73 100 14.7 75 88 14.4 72 78 18.3 73 101 14.7 75 89 14.3 72 79 18 73 102 14.6 75 90 14.1 72 80 17.7 73 103 14.6 75 91 14 72 81 17.4 73 104 14.6 75 92 13.9 72 82 17.2 73 105 14.6 75 93 13.8 72 83 17 73 106 14.6 75 94 13.8 72 84 16.8 73 107 14.5 75 95 13.7 72 85 16.6 73 108 14.5 75 96 13.6 72 86 16.4 73 109 14.5 75 97 13.6 72 87 16.3 73 110 14.5 75 98 13.5 72 88 16.1 74 74 19.2 75 99 13.5 72 89 16 74 75 18.7 75 100 13.4 72 90 15.9 74 76 18.3 75 101 13.4 72 91 15.8 74 77 17.8 75 102 13.4 72 92 15.8 74 78 17.5 75 103 13.3 72 93 15.7 74 79 17.1 75 104 13.3 72 94 15.6 74 80 16.8 75 105 13.3 72 95 15.6 74 81 16.5 75 106 13.2 72 96 15.5 74 82 16.2 75 107 13.2 72 97 15.5 74 83 15.9 75 108 13.2 72 98 15.4 74 84 15.7 75 109 13.2 72 99 15.4 74 85 15.5 75 110 13.2 72 100 15.4 74 86 15.3 76 76 17.5 72 101 15.3 74 87 15.1 76 77 17.1 72 102 15.3 74 88 15 76 78 16.7 72 103 15.3 74 89 14.8 76 79 16.3 72 104 15.3 74 90 14.7 76 80 15.9 72 105 15.2 74 91 14.6 76 81 15.6 72 106 15.2 74 92 14.5 76 82 15.2 72 107 15.2 74 93 14.4 76 83 15 72 108 15.2 74 94 14.4 76 84 14.7 72 109 15.2 74 95 14.3 76 85 14.5 72 110 15.2 74 96 14.2 76 86 14.2 73 73 20 74 97 14.2 76 87 14.1 73 74 19.5 74 98 14.1 76 88 13.9 73 75 19.1 74 99 14.1 76 89 13.7 73 76 18.7 74 100 14.1 76 90 13.6 73 77 18.3 74 101 14 76 91 13.5 73 78 17.9 74 102 14 76 92 13.4

Two lives, male and female, joint and survivor, male is the younger age (continued) Male Female Exp. Male Female Exp. Male Female Exp. 76 93 13.3 78 87 13.1 80 84 13 76 94 13.2 78 88 12.9 80 85 12.7 76 95 13.1 78 89 12.7 80 86 12.5 76 96 13 78 89 12.6 80 87 12.2 76 97 13 78 90 12.4 80 88 12 76 98 12.9 78 91 12.3 80 89 11.8 76 99 12.9 78 92 12.2 80 90 11.6 76 100 12.8 78 93 12.1 80 91 11.5 76 101 12.8 78 94 12 80 92 11.3 76 102 12.7 78 95 11.9 80 93 11.2 76 103 12.7 78 96 11.9 80 94 11.1 76 104 12.7 78 97 11.8 80 95 11 76 105 12.6 78 98 11.7 80 96 10.9 76 106 12.6 78 99 11.7 80 97 10.8 76 107 12.6 78 100 11.6 80 98 10.8 76 108 12.6 78 101 11.6 80 99 10.7 76 109 12.6 78 102 11.5 80 100 10.6 76 110 12.6 78 103 11.5 80 101 10.6 77 77 16.7 78 104 11.5 80 102 10.5 77 78 16.3 78 105 11.4 80 103 10.5 77 79 15.9 78 106 11.4 80 104 10.4 77 80 15.5 78 107 11.4 80 105 10.4 77 81 15.1 78 108 11.4 80 106 10.3 77 82 14.8 78 109 11.4 80 107 10.3 77 83 14.5 78 110 13.1 80 108 10.3 77 84 14.2 79 79 15.2 80 109 10.3 77 85 14 79 80 14.8 80 110 10.2 77 86 13.8 79 81 14.4 81 81 13.8 77 87 13.6 79 82 14 81 82 13.4 77 88 13.4 79 83 13.7 81 83 13 77 89 13.2 79 84 13.4 81 84 12.7 77 90 13.1 79 85 13.1 81 85 12.4 77 91 12.9 79 86 12.9 81 86 12.1 77 92 12.8 79 87 12.6 81 87 11.8 77 93 12.7 79 88 12.4 81 88 11.6 77 94 12.6 79 89 12.3 81 89 11.4 77 95 12.6 79 90 12.1 81 90 11.2 77 96 12.5 79 91 11.9 81 91 11 77 97 12.4 79 92 11.8 81 92 10.9 77 98 12.4 79 93 11.7 81 93 10.8 77 99 12.3 79 94 11.6 81 94 10.6 77 100 12.2 79 95 11.5 81 95 10.5 77 101 12.2 79 96 11.4 81 96 10.4 77 102 12.2 79 97 11.3 81 97 10.4 77 103 12.1 79 98 11.3 81 98 10.3 77 104 12.1 79 99 11.2 81 99 10.2 77 105 12 79 100 11.1 81 100 10.1 77 106 12 79 101 11.1 81 101 10.1 77 107 12 79 102 11 81 102 10 77 108 12 79 103 11 81 103 9.9 77 109 12 79 104 10.9 81 104 9.9 77 110 12 79 105 10.9 81 105 9.9 78 78 16 79 106 10.9 81 106 9.8 78 79 15.5 79 107 10.9 81 107 9.8 78 80 15.1 79 108 10.8 81 108 9.8 78 81 14.8 79 109 10.8 81 109 9.7 78 82 14.4 79 110 10.8 81 110 9.7 78 83 14.1 80 80 14.5 82 82 13.1 78 84 13.8 80 81 14.1 82 83 12.7 78 85 13.5 80 82 13.7 82 84 12.3 78 86 13.3 80 83 13.3 82 85 12

Two lives, male and female, joint and survivor, male is the younger age (continued) Male Female Exp. Male Female Exp. Male Female Exp. 82 86 11.7 84 92 9.7 86 102 7.8 82 87 11.4 84 93 9.5 86 103 7.7 82 88 11.2 84 94 9.4 86 104 7.7 82 89 11 84 95 9.3 86 105 7.6 82 90 10.8 84 96 9.2 86 106 7.6 82 91 10.6 84 97 9.1 86 107 7.5 82 92 10.5 84 98 9 86 108 7.5 82 93 10.3 84 99 8.9 86 109 7.4 82 94 10.2 84 100 8.8 86 110 7.4 82 95 10.1 84 101 8.7 87 87 9.9 82 96 10 84 102 8.6 87 88 9.6 82 97 9.9 84 103 8.6 87 89 9.4 82 98 9.8 84 104 8.5 87 90 9.1 82 99 9.7 84 105 8.4 87 91 8.9 82 100 9.7 84 106 8.4 87 92 8.7 82 101 9.6 84 107 8.4 87 93 8.5 82 102 9.5 84 108 8.3 87 94 8.4 82 103 9.5 84 109 8.3 87 95 8.2 82 104 9.4 84 110 8.3 87 96 8.1 82 105 9.4 85 85 11.1 87 97 8 82 106 9.3 85 86 10.8 87 98 7.9 82 107 9.3 85 87 10.5 87 99 7.7 82 108 9.3 85 88 10.2 87 100 7.6 82 109 9.2 85 89 10 87 101 7.5 82 110 9.2 85 90 9.7 87 102 7.5 83 83 12.4 85 91 9.5 87 103 7.4 83 84 12 85 92 9.3 87 104 7.3 83 85 11.7 85 93 9.2 87 105 7.2 83 86 11.4 85 94 9 87 106 7.2 83 87 11.1 85 95 8.9 87 107 7.1 83 88 10.8 85 96 8.8 87 108 7.1 83 89 10.6 85 97 8.7 87 109 7 83 90 10.4 85 98 8.6 87 110 7 83 91 10.2 85 99 8.5 88 88 9.4 83 92 10.1 85 100 8.4 88 89 9.1 83 93 9.9 85 101 8.3 88 90 8.9 83 94 9.8 85 102 8.2 88 91 8.6 83 95 9.7 85 103 8.1 88 92 8.4 83 96 9.6 85 104 8.1 88 93 8.2 83 97 9.5 85 105 8 88 94 8.1 83 98 9.4 85 106 8 88 95 7.9 83 99 9.3 85 107 7.9 88 96 7.8 83 100 9.2 85 108 7.9 88 97 7.7 83 101 9.1 85 109 7.8 88 98 7.5 83 102 9.1 85 110 7.8 88 99 7.4 83 103 9 86 86 10.5 88 100 7.3 83 104 8.9 86 87 10.2 88 101 7.2 83 105 8.9 86 88 9.9 88 102 7.1 83 106 8.8 86 89 9.7 88 103 7 83 107 8.8 86 90 9.4 88 104 6.9 83 108 8.8 86 91 9.2 88 105 6.9 83 109 8.7 86 92 9 88 106 6.8 83 110 8.7 86 93 8.9 88 107 6.7 84 84 11.7 86 94 8.7 88 108 6.7 84 85 11.4 86 95 8.6 88 109 6.7 84 86 11.1 86 96 8.4 88 110 6.6 84 87 10.8 86 97 8.3 89 89 8.9 84 88 10.5 86 98 8.2 89 90 8.6 84 89 10.3 86 99 8.1 89 91 8.4 84 90 10.1 86 100 8 89 92 8.2 84 91 9.9 86 101 7.9 89 93 8

Two lives, male and female, joint and survivor, male is the younger age (continued) Male Female Exp. 89 94 7.8 89 95 7.6 89 96 7.5 89 97 7.4 89 98 7.2 89 99 7.1 89 100 7 89 101 6.9 89 102 6.8 89 103 6.7 89 104 6.6 89 105 6.5 89 106 6.5 89 107 6.4 89 108 6.3 89 109 6.3 89 110 6.3 90 90 8.4 90 91 8.1 90 92 7.9 90 93 7.7 90 94 7.5 90 95 7.4 90 96 7.2 90 97 7.1 90 98 6.9 90 99 6.8 90 100 6.7 90 101 6.6 90 102 6.5 90 103 6.4 90 104 6.3 90 105 6.2 90 106 6.1 90 107 6.1 90 108 6 90 109 6 90 110 5.9

Two lives: joint and survivor, female is the younger age To determine the joint and survivor life expectancy of two people, the younger age female and the older age male, find the two ages, then read the number in the box to the right of the male age. For example, the joint and survivor life expectancy of a couple, female age 50 and male age 51, is 40.8 years. This means that there's a 50% chance that one or the other of them will live at least another 40.8 years.

Female Male Exp. Female Male Exp. Female Male Exp. 50 50 41.4 50 110 36.7 51 110 35.7 50 51 41 51 51 40.4 52 52 39.5 50 52 40.7 51 52 40 52 53 39.1 50 53 40.3 51 53 39.7 52 54 38.7 50 54 40 51 54 39.3 52 55 38.4 50 55 39.7 51 55 39 52 56 38.1 50 56 39.4 51 56 38.7 52 57 37.8 50 57 39.2 51 57 38.5 52 58 37.5 50 58 38.9 51 58 38.2 52 59 37.2 50 59 38.7 51 59 38 52 60 37 50 60 38.5 51 60 37.8 52 61 36.8 50 61 38.4 51 61 37.6 52 62 36.6 50 62 38.2 51 62 37.4 52 63 36.4 50 63 38 51 63 37.2 52 64 36.3 50 64 37.9 51 64 37.1 52 65 36.1 50 65 37.8 51 65 36.9 52 66 36 50 66 37.7 51 66 36.8 52 67 35.9 50 67 37.6 51 67 36.7 52 68 35.7 50 68 37.5 51 68 36.6 52 69 35.6 50 69 37.4 51 69 36.5 52 70 35.5 50 70 37.3 51 70 36.4 52 71 35.5 50 71 37.2 51 71 36.3 52 72 35.4 50 72 37.2 51 72 36.3 52 73 35.3 50 73 37.1 51 73 36.2 52 74 35.3 50 74 37.1 51 74 36.2 52 75 35.2 50 75 37 51 75 36.1 52 76 35.2 50 76 37 51 76 36.1 52 77 35.1 50 77 36.9 51 77 36 52 78 35.1 50 78 36.9 51 78 36 52 79 35 50 79 36.9 51 79 36 52 80 35 50 80 36.9 51 80 35.9 52 81 35 50 81 36.8 51 81 35.9 52 82 35 50 82 36.8 51 82 35.9 52 83 34.9 50 83 36.8 51 83 35.9 52 84 34.9 50 84 36.8 51 84 35.9 52 85 34.9 50 85 36.8 51 85 35.8 52 86 34.9 50 86 36.8 51 86 35.8 52 87 34.9 50 87 36.7 51 87 35.8 52 88 34.9 50 88 36.7 51 88 35.8 52 89 34.9 50 89 36.7 51 89 35.8 52 90 34.8 50 90 36.7 51 90 35.8 52 91 34.8 50 91 36.7 51 91 35.8 52 92 34.8 50 92 36.7 51 92 35.8 52 93 34.8 50 93 36.7 51 93 35.8 52 94 34.8 50 94 36.7 51 94 35.8 52 95 34.8 50 95 36.7 51 95 35.8 52 96 34.8 50 96 36.7 51 96 35.7 52 97 34.8 50 97 36.7 51 97 35.7 52 98 34.8 50 98 36.7 51 98 35.7 52 99 34.8 50 99 36.7 51 99 35.7 52 100 34.8 50 100 36.7 51 100 35.7 52 101 34.8 50 101 36.7 51 101 35.7 52 102 34.8 50 102 36.7 51 102 35.7 52 103 34.8 50 103 36.7 51 103 35.7 52 104 34.8 50 104 36.7 51 104 35.7 52 105 34.8 50 105 36.7 51 105 35.7 52 106 34.8 50 106 36.7 51 106 35.7 52 107 34.8 50 107 36.7 51 107 35.7 52 108 34.8 50 108 36.7 51 108 35.7 52 109 34.8 50 109

36.7 51 109

35.7 52 110

34.8

Two lives, male and female, joint and survivor, female is the younger age (continued)

Female Male Exp. Female Male Exp. Female Male Exp. 53 53 38.5 54 57 36.4 55 62 34.4 53 54 38.1 54 58 36.1 55 63 34.1 53 55 37.8 54 59 35.8 55 64 33.9 53 56 37.4 54 60 35.6 55 65 33.7 53 57 37.1 54 61 35.3 55 66 33.6 53 58 36.8 54 62 35.1 55 67 33.4 53 59 36.5 54 63 34.9 55 68 33.2 53 60 36.3 54 64 34.7 55 69 33.1 53 61 36.1 54 65 34.5 55 70 33 53 62 35.8 54 66 34.3 55 71 32.9 53 63 35.6 54 67 34.2 55 72 32.8 53 64 35.5 54 68 34.1 55 73 32.7 53 65 35.3 54 69 33.9 55 74 32.6 53 66 35.2 54 70 33.8 55 75 32.6 53 67 35 54 71 33.7 55 76 32.5 53 68 34.9 54 72 33.6 55 77 32.4 53 69 34.8 54 73 33.6 55 78 32.4 53 70 34.7 54 74 33.5 55 79 32.3 53 71 34.6 54 75 33.4 55 80 32.3 53 72 34.5 54 76 33.4 55 81 32.3 53 73 34.4 54 77 33.3 55 82 32.2 53 74 34.4 54 78 33.3 55 83 32.2 53 75 34.3 54 79 33.2 55 84 32.2 53 76 34.3 54 80 33.2 55 85 32.2 53 77 34.2 54 81 33.2 55 86 32.1 53 78 34.2 54 82 33.1 55 87 32.1 53 79 34.1 54 83 33.1 55 88 32.1 53 80 34.1 54 84 33.1 55 89 32.1 53 81 34.1 54 85 33.1 55 90 32.1 53 82 34 54 86 33 55 91 32.1 53 83 34 54 87 33 55 92 32.1 53 84 34 54 88 33 55 93 32 53 85 34 54 89 33 55 94 32 53 86 34 54 90 33 55 95 32 53 87 34 54 91 33 55 96 32 53 88 33.9 54 92 33 55 97 32 53 89 33.9 54 93 33 55 98 32 53 90 33.9 54 94 33 55 99 32 53 91 33.9 54 95 33 55 100 32 53 92 33.9 54 96 33 55 101 32 53 93 33.9 54 97 32.9 55 102 32 53 94 33.9 54 98 32.9 55 103 32 53 95 33.9 54 99 32.9 55 104 32 53 96 33.9 54 100 32.9 55 105 32 53 97 33.9 54 101 32.9 55 106 32 53 98 33.9 54 102 32.9 55 107 32 53 99 33.9 54 103 32.9 55 108 32 53 100 33.9 54 104 32.9 55 109 32 53 101 33.9 54 105 32.9 55 110 32 53 102 33.9 54 106 32.9 56 56 35.6 53 103 33.9 54 107 32.9 56 57 35.2 53 104 33.9 54 108 32.9 56 58 34.9 53 105 33.9 54 109 32.9 56 59 34.5 53 106 33.9 54 110 32.9 56 60 34.2 53 107 33.8 55 55 36.6 56 61 33.9 53 108 33.8 55 56 36.2 56 62 33.7 53 109 33.8 55 57 35.8 56 63 33.4 53 110 33.8 55 58 35.5 56 64 33.2 54 54 37.5 55 59 35.2 56 65 33 54 55 37.1 55 60 34.9 56 66 32.8 54 56 36.8 55 61 34.6 56 67 32.6

Two lives, male and female, joint and survivor, female is the younger age (continued)

Female Male Exp. Female Male Exp. Female Male Exp. 56 68 32.4 57 75 30.8 58 83 29.5 56 69 32.3 57 76 30.8 58 84 29.5 56 70 32.2 57 77 30.7 58 85 29.5 56 71 32.1 57 78 30.6 58 86 29.4 56 72 31.9 57 79 30.6 58 87 29.4 56 73 31.9 57 80 30.5 58 88 29.4 56 74 31.8 57 81 30.5 58 89 29.4 56 75 31.7 57 82 30.4 58 90 29.4 56 76 31.6 57 83 30.4 58 91 29.3 56 77 31.6 57 84 30.4 58 92 29.3 56 78 31.5 57 85 30.3 58 93 29.3 56 79 31.4 57 86 30.3 58 94 29.3 56 80 31.4 57 87 30.3 58 95 29.3 56 81 31.4 57 88 30.3 58 96 29.3 56 82 31.3 57 89 30.3 58 97 29.3 56 83 31.3 57 90 30.3 58 98 29.3 56 84 31.3 57 91 30.2 58 99 29.3 56 85 31.2 57 92 30.2 58 100 29.3 56 86 31.2 57 93 30.2 58 101 29.3 56 87 31.2 57 94 30.2 58 102 29.3 56 88 31.2 57 95 30.2 58 103 29.3 56 89 31.2 57 96 30.2 58 104 29.2 56 90 31.2 57 97 30.2 58 105 29.2 56 91 31.1 57 98 30.2 58 106 29.2 56 92 31.1 57 99 30.2 58 107 29.2 56 93 31.1 57 100 30.2 58 108 29.2 56 94 31.1 57 101 30.2 58 109 29.2 56 95 31.1 57 102 30.2 58 110 29.2 56 96 31.1 57 103 30.2 59 59 32.7 56 97 31.1 57 104 30.2 59 60 32.4 56 98 31.1 57 105 30.2 59 61 32 56 99 31.1 57 106 30.2 59 62 31.7 56 100 31.1 57 107 30.2 59 63 31.4 56 101 31.1 57 108 30.2 59 64 31.1 56 102 31.1 57 109 30.1 59 65 30.8 56 103 31.1 57 110 30.1 59 66 30.6 56 104 31.1 58 58 33.7 59 67 30.3 56 105 31.1 58 59 33.3 59 68 30.1 56 106 31.1 58 60 33 59 69 30 56 107 31.1 58 61 32.6 59 70 29.8 56 108 31.1 58 62 32.3 59 71 29.6 56 109 31.1 58 63 32 59 72 29.5 56 110 31.1 58 64 31.8 59 73 29.4 57 57 34.6 58 65 31.5 59 74 29.3 57 58 34.3 58 66 31.3 59 75 29.2 57 59 33.9 58 67 31.1 59 76 29.1 57 60 33.6 58 68 30.9 59 77 29 57 61 33.3 58 69 30.7 59 78 28.9 57 62 33 58 70 30.6 59 79 28.8 57 63 32.7 58 71 30.4 59 80 28.8 57 64 32.5 58 72 30.3 59 81 28.7 57 65 32.2 58 73 30.2 59 82 28.7 57 66 32 58 74 30.1 59 83 28.6 57 67 31.8 58 75 30 59 84 28.6 57 68 31.7 58 76 29.9 59 85 28.6 57 69 31.5 58 77 29.8 59 86 28.5 57 70 31.4 58 78 29.8 59 87 28.5 57 71 31.2 58 79 29.7 59 88 28.5 57 72 31.1 58 80 29.6 59 89 28.5 57 73 31 58 81 29.6 59 90 28.5 57 74 30.9 58 82 29.6 59 91 28.4

Two lives, male and female, joint and survivor, female is the younger age (continued)

Female Male Exp. Female Male Exp. Female Male Exp. 59 92 28.4 60 102 27.4 62 64 29.2 59 93 28.4 60 103 27.4 62 65 28.9 59 94 28.4 60 104 27.4 62 66 28.6 59 95 28.4 60 105 27.4 62 67 28.3 59 96 28.4 60 106 27.4 62 68 28 59 97 28.4 60 107 27.4 62 69 27.8 59 98 28.4 60 108 27.4 62 70 27.6 59 99 28.4 60 109 27.4 62 71 27.4 59 100 28.4 60 110 27.4 62 72 27.2 59 101 28.4 61 61 30.9 62 73 27 59 102 28.3 61 62 30.5 62 74 26.9 59 103 28.3 61 63 30.1 62 75 26.7 59 104 28.3 61 64 29.8 62 76 26.6 59 105 28.3 61 65 29.5 62 77 26.5 59 106 28.3 61 66 29.2 62 78 26.4 59 107 28.3 61 67 28.9 62 79 26.3 59 108 28.3 61 68 28.7 62 80 26.2 59 109 28.3 61 69 28.5 62 81 26.2 59 110 28.3 61 70 28.3 62 82 26.1 60 60 31.8 61 71 28.1 62 83 26.1 60 61 31.4 61 72 27.9 62 84 26 60 62 31.1 61 73 27.8 62 85 26 60 63 30.7 61 74 27.6 62 86 25.9 60 64 30.4 61 75 27.5 62 87 25.9 60 65 30.1 61 76 27.4 62 88 25.9 60 66 29.9 61 77 27.3 62 89 25.8 60 67 29.6 61 78 27.2 62 90 25.8 60 68 29.4 61 79 27.1 62 91 25.8 60 69 29.2 61 80 27.1 62 92 25.8 60 70 29 61 81 27 62 93 25.8 60 71 28.9 61 82 27 62 94 25.7 60 72 28.7 61 83 26.9 62 95 25.7 60 73 28.6 61 84 26.9 62 96 25.7 60 74 28.4 61 85 26.8 62 97 25.7 60 75 28.3 61 86 26.8 62 98 25.7 60 76 28.2 61 87 26.8 62 99 25.7 60 77 28.1 61 88 26.7 62 100 25.7 60 78 28.1 61 89 26.7 62 101 25.7 60 79 28 61 90 26.7 62 102 25.7 60 80 27.9 61 91 26.7 62 103 25.7 60 81 27.9 61 92 26.7 62 104 25.7 60 82 27.8 61 93 26.6 62 105 25.7 60 83 27.8 61 94 26.6 62 106 25.7 60 84 27.7 61 95 26.6 62 107 25.6 60 85 27.7 61 96 26.6 62 108 25.6 60 86 27.7 61 97 26.6 62 109 25.6 60 87 27.6 61 98 26.6 62 110 25.6 60 88 27.6 61 99 26.6 63 63 29 60 89 27.6 61 100 26.6 63 64 28.6 60 90 27.6 61 101 26.6 63 65 28.3 60 91 27.5 61 102 26.6 63 66 27.9 60 92 27.5 61 103 26.6 63 67 27.6 60 93 27.5 61 104 26.5 63 68 27.3 60 94 27.5 61 105 26.5 63 69 27.1 60 95 27.5 61 106 26.5 63 70 26.9 60 96 27.5 61 107 26.5 63 71 26.6 60 97 27.5 61 108 26.5 63 72 26.4 60 98 27.5 61 109 26.5 63 73 26.3 60 99 27.5 61 110 26.5 63 74 26.1 60 100 27.5 62 62 29.9 63 75 26 60 101 27.5 62 63 29.5 63 76 25.8

Two lives, male and female, joint and survivor, female is the younger age (continued)

Female Male Exp. Female Male Exp. Female Male Exp. 63 77 25.7 64 91 24.1 65 106 23 63 78 25.6 64 92 24 65 107 23 63 79 25.5 64 93 24 65 108 23 63 80 25.4 64 94 24 65 109 23 63 81 25.3 64 95 24 65 110 23 63 82 25.3 64 96 24 66 66 26.2 63 83 25.2 64 97 24 66 67 25.8 63 84 25.2 64 98 24 66 68 25.5 63 85 25.1 64 99 23.9 66 69 25.2 63 86 25.1 64 100 23.9 66 70 24.9 63 87 25 64 101 23.9 66 71 24.6 63 88 25 64 102 23.9 66 72 24.4 63 89 25 64 103 23.9 66 73 24.1 63 90 24.9 64 104 23.9 66 74 23.9 63 91 24.9 64 105 23.9 66 75 23.8 63 92 24.9 64 106 23.9 66 76 23.6 63 93 24.9 64 107 23.9 66 77 23.4 63 94 24.9 64 108 23.9 66 78 23.3 63 95 24.9 64 109 23.9 66 79 23.2 63 96 24.8 64 110 23.9 66 80 23 63 97 24.8 65 65 27.1 66 81 22.9 63 98 24.8 65 66 26.8 66 82 22.9 63 99 24.8 65 67 26.4 66 83 22.8 63 100 24.8 65 68 26.1 66 84 22.7 63 101 24.8 65 69 25.8 66 85 22.6 63 102 24.8 65 70 25.5 66 86 22.6 63 103 24.8 65 71 25.3 66 87 22.5 63 104 24.8 65 72 25 66 88 22.5 63 105 24.8 65 73 24.8 66 89 22.4 63 106 24.8 65 74 24.6 66 90 22.4 63 107 24.8 65 75 24.5 66 91 22.4 63 108 24.8 65 76 24.3 66 92 22.4 63 109 24.8 65 77 24.2 66 93 22.3 63 110 24.8 65 78 24 66 94 22.3 64 64 28 65 79 23.9 66 95 22.3 64 65 27.7 65 80 23.8 66 96 22.3 64 66 27.3 65 81 23.7 66 97 22.3 64 67 27 65 82 23.6 66 98 22.2 64 68 26.7 65 83 23.6 66 99 22.2 64 69 26.4 65 84 23.5 66 100 22.2 64 70 26.2 65 85 23.5 66 101 22.2 64 71 25.9 65 86 23.4 66 102 22.2 64 72 25.7 65 87 23.4 66 103 22.2 64 73 25.5 65 88 23.3 66 104 22.2 64 74 25.4 65 89 23.3 66 105 22.2 64 75 25.2 65 90 23.2 66 106 22.2 64 76 25.1 65 91 23.2 66 107 22.2 64 77 24.9 65 92 23.2 66 108 22.2 64 78 24.8 65 93 23.2 66 109 22.2 64 79 24.7 65 94 23.2 66 110 22.2 64 80 24.6 65 95 23.1 67 67 25.3 64 81 24.5 65 96 23.1 67 68 24.9 64 82 24.5 65 97 23.1 67 69 24.6 64 83 24.4 65 98 23.1 67 70 24.3 64 84 24.3 65 99 23.1 67 71 24 64 85 24.3 65 100 23.1 67 72 23.7 64 86 24.2 65 101 23.1 67 73 23.5 64 87 24.2 65 102 23.1 67 74 23.3 64 88 24.2 65 103 23 67 75 23.1 64 89 24.1 65 104 23 67 76 22.9 64 90 24.1 65 105 23 67 77 22.7

Two lives, male and female, joint and survivor, female is the younger age (continued) Female Male Exp. Female Male Exp. Female Male Exp. 67 78 22.5 68 96 20.6 70 74 21.4 67 79 22.4 68 97 20.6 70 75 21.1 67 80 22.3 68 98 20.6 70 76 20.9 67 81 22.2 68 99 20.6 70 77 20.7 67 82 22.1 68 100 20.5 70 78 20.5 67 83 22 68 101 20.5 70 79 20.3 67 84 21.9 68 102 20.5 70 80 20.1 67 85 21.8 68 103 20.5 70 81 20 67 86 21.8 68 104 20.5 70 82 19.8 67 87 21.7 68 105 20.5 70 83 19.7 67 88 21.7 68 106 20.5 70 84 19.6 67 89 21.6 68 107 20.5 70 85 19.5 67 90 21.6 68 108 20.5 70 86 19.4 67 91 21.6 68 109 20.5 70 87 19.4 67 92 21.5 68 110 20.5 70 88 19.3 67 93 21.5 69 69 23.5 70 89 19.2 67 94 21.5 69 70 23.1 70 90 19.2 67 95 21.5 69 71 22.8 70 91 19.1 67 96 21.4 69 72 22.5 70 92 19.1 67 97 21.4 69 73 22.2 70 93 19.1 67 98 21.4 69 74 22 70 94 19 67 99 21.4 69 75 21.7 70 95 19 67 100 21.4 69 76 21.5 70 96 19 67 101 21.4 69 77 21.3 70 97 19 67 102 21.4 69 78 21.1 70 98 18.9 67 103 21.3 69 79 21 70 99 18.9 67 104 21.3 69 80 20.8 70 100 18.9 67 105 21.3 69 81 20.7 70 101 18.9 67 106 21.3 69 82 20.6 70 102 18.9 67 107 21.3 69 83 20.5 70 103 18.9 67 108 21.3 69 84 20.4 70 104 18.9 67 109 21.3 69 85 20.3 70 105 18.8 67 110 21.3 69 86 20.2 70 106 18.8 68 68 24.4 69 87 20.1 70 107 18.8 68 69 24 69 88 20.1 70 108 18.8 68 70 23.7 69 89 20 70 109 18.8 68 71 23.4 69 90 20 70 110 18.8 68 72 23.1 69 91 19.9 71 71 21.7 68 73 22.8 69 92 19.9 71 72 21.4 68 74 22.6 69 93 19.9 71 73 21.1 68 75 22.4 69 94 19.8 71 74 20.8 68 76 22.2 69 95 19.8 71 75 20.5 68 77 22 69 96 19.8 71 76 20.2 68 78 21.8 69 97 19.8 71 77 20 68 79 21.7 69 98 19.7 71 78 19.8 68 80 21.5 69 99 19.7 71 79 19.6 68 81 21.4 69 100 19.7 71 80 19.4 68 82 21.3 69 101 19.7 71 81 19.3 68 83 21.2 69 102 19.7 71 82 19.1 68 84 21.1 69 103 19.7 71 83 19 68 85 21.1 69 104 19.7 71 84 18.9 68 86 21 69 105 19.7 71 85 18.8 68 87 20.9 69 106 19.7 71 86 18.7 68 88 20.9 69 107 19.7 71 87 18.6 68 89 20.8 69 108 19.6 71 88 18.5 68 90 20.8 69 109 19.6 71 89 18.5 68 91 20.7 69 110 19.6 71 90 18.4 68 92 20.7 70 70 22.6 71 91 18.4 68 93 20.7 70 71 22.3 71 92 18.3 68 94 20.7 70 72 21.9 71 93 18.3 68 95 20.6 70 73 21.6 71 94 18.2

Two lives, male and female, joint and survivor, female is the younger age (continued) Female Male Exp. Female Male Exp. Female Male Exp. 71 95 18.2 73 79 18.3 74 103 15.7 71 96 18.2 73 80 18.1 74 104 15.7 71 97 18.2 73 81 18 74 105 15.7 71 98 18.1 73 82 17.8 74 106 15.7 71 99 18.1 73 83 17.6 74 107 15.7 71 100 18.1 73 84 17.5 74 108 15.7 71 101 18.1 73 85 17.4 74 109 15.6 71 102 18.1 73 86 17.3 74 110 15.6 71 103 18.1 73 87 17.2 75 75 18.4 71 104 18 73 88 17.1 75 76 18 71 105 18 73 89 17 75 77 17.7 71 106 18 73 90 16.9 75 78 17.4 71 107 18 73 91 16.9 75 79 17.2 71 108 18 73 92 16.8 75 80 16.9 71 109 18 73 93 16.8 75 81 16.7 71 110 18 73 94 16.7 75 82 16.5 72 72 20.9 73 95 16.7 75 83 16.4 72 73 20.5 73 96 16.6 75 84 16.2 72 74 20.2 73 97 16.6 75 85 16 72 75 19.9 73 98 16.6 75 86 15.9 72 76 19.6 73 99 16.6 75 87 15.8 72 77 19.4 73 100 16.5 75 88 15.7 72 78 19.2 73 101 16.5 75 89 15.6 72 79 19 73 102 16.5 75 90 15.5 72 80 18.8 73 103 16.5 75 91 15.4 72 81 18.6 73 104 16.5 75 92 15.4 72 82 18.4 73 105 16.4 75 93 15.3 72 83 18.3 73 106 16.4 75 94 15.3 72 84 18.2 73 107 16.4 75 95 15.2 72 85 18.1 73 108 16.4 75 96 15.2 72 86 18 73 109 16.4 75 97 15.1 72 87 17.9 73 110 16.4 75 98 15.1 72 88 17.8 74 74 19.2 75 99 15.1 72 89 17.7 74 75 18.8 75 100 15 72 90 17.7 74 76 18.5 75 101 15 72 91 17.6 74 77 18.3 75 102 15 72 92 17.6 74 78 18 75 103 15 72 93 17.5 74 79 17.8 75 104 14.9 72 94 17.5 74 80 17.5 75 105 14.9 72 95 17.4 74 81 17.3 75 106 14.9 72 96 17.4 74 82 17.1 75 107 14.9 72 97 17.4 74 83 17 75 108 14.9 72 98 17.4 74 84 16.8 75 109 14.9 72 99 17.3 74 85 16.7 75 110 14.9 72 100 17.3 74 86 16.6 76 76 17.5 72 101 17.3 74 87 16.5 76 77 17.2 72 102 17.3 74 88 16.4 76 78 16.9 72 103 17.3 74 89 16.3 76 79 16.6 72 104 17.2 74 90 16.2 76 80 16.4 72 105 17.2 74 91 16.1 76 81 16.2 72 106 17.2 74 92 16.1 76 82 16 72 107 17.2 74 93 16 76 83 15.8 72 108 17.2 74 94 16 76 84 15.6 72 109 17.2 74 95 15.9 76 85 15.4 72 110 17.2 74 96 15.9 76 86 15.3 73 73 20 74 97 15.9 76 87 15.2 73 74 19.7 74 98 15.8 76 88 15 73 75 19.4 74 99 15.8 76 89 14.9 73 76 19.1 74 100 15.8 76 90 14.8 73 77 18.8 74 101 15.7 76 91 14.8 73 78 18.6 74 102 15.7 76 92 14.7

Two lives, male and female, joint and survivor, female is the younger age (continued) Female Male Exp. Female Male Exp. Female Male Exp. 76 93 14.6 78 87 13.9 80 84 13.4 76 94 14.6 78 88 13.8 80 85 13.2 76 95 14.5 78 89 13.7 80 86 13 76 96 14.5 78 89 13.6 80 87 12.8 76 97 14.4 78 90 13.5 80 88 12.7 76 98 14.4 78 91 13.4 80 89 12.5 76 99 14.3 78 92 13.3 80 90 12.4 76 100 14.3 78 93 13.2 80 91 12.3 76 101 14.3 78 94 13.2 80 92 12.2 76 102 14.2 78 95 13.1 80 93 12.1 76 103 14.2 78 96 13.1 80 94 12 76 104 14.2 78 97 13 80 95 11.9 76 105 14.2 78 98 13 80 96 11.9 76 106 14.2 78 99 12.9 80 97 11.8 76 107 14.2 78 100 12.9 80 98 11.7 76 108 14.2 78 101 12.9 80 99 11.7 76 109 14.1 78 102 12.8 80 100 11.6 76 110 14.1 78 103 12.8 80 101 11.6 77 77 16.7 78 104 12.8 80 102 11.5 77 78 16.4 78 105 12.8 80 103 11.5 77 79 16.1 78 106 12.7 80 104 11.5 77 80 15.9 78 107 12.7 80 105 11.5 77 81 15.6 78 108 12.7 80 106 11.4 77 82 15.4 78 109 12.7 80 107 11.4 77 83 15.2 78 110 13.9 80 108 11.4 77 84 15 79 79 15.2 80 109 11.4 77 85 14.8 79 80 14.9 80 110 11.4 77 86 14.7 79 81 14.6 81 81 13.8 77 87 14.5 79 82 14.4 81 82 13.5 77 88 14.4 79 83 14.1 81 83 13.2 77 89 14.3 79 84 13.9 81 84 13 77 90 14.2 79 85 13.7 81 85 12.7 77 91 14.1 79 86 13.5 81 86 12.5 77 92 14 79 87 13.4 81 87 12.3 77 93 13.9 79 88 13.2 81 88 12.2 77 94 13.9 79 89 13.1 81 89 12 77 95 13.8 79 90 13 81 90 11.9 77 96 13.8 79 91 12.9 81 91 11.7 77 97 13.7 79 92 12.8 81 92 11.6 77 98 13.7 79 93 12.7 81 93 11.5 77 99 13.6 79 94 12.6 81 94 11.4 77 100 13.6 79 95 12.5 81 95 11.3 77 101 13.6 79 96 12.5 81 96 11.3 77 102 13.5 79 97 12.4 81 97 11.2 77 103 13.5 79 98 12.4 81 98 11.1 77 104 13.5 79 99 12.3 81 99 11.1 77 105 13.5 79 100 12.3 81 100 11 77 106 13.5 79 101 12.2 81 101 11 77 107 13.4 79 102 12.2 81 102 10.9 77 108 13.4 79 103 12.2 81 103 10.9 77 109 13.4 79 104 12.1 81 104 10.9 77 110 13.4 79 105 12.1 81 105 10.8 78 78 16 79 106 12.1 81 106 10.8 78 79 15.7 79 107 12.1 81 107 10.8 78 80 15.4 79 108 12.1 81 108 10.8 78 81 15.1 79 109 12 81 109 10.7 78 82 14.9 79 110 12 81 110 10.7 78 83 14.6 80 80 14.5 82 82 13.1 78 84 14.4 80 81 14.2 82 83 12.8 78 85 14.3 80 82 13.9 82 84 12.5 78 86 14.1 80 83 13.7 82 85 12.3

Two lives, male and female, joint and survivor, female is the younger age (continued) Female Male Exp. Female Male Exp. Female Male Exp. 82 86 12.1 84 92 10.1 86 102 8.2 82 87 11.9 84 93 10 86 103 8.2 82 88 11.7 84 94 9.9 86 104 8.1 82 89 11.5 84 95 9.8 86 105 8.1 82 90 11.4 84 96 9.7 86 106 8 82 91 11.2 84 97 9.6 86 107 8 82 92 11.1 84 98 9.5 86 108 8 82 93 11 84 99 9.4 86 109 7.9 82 94 10.9 84 100 9.4 86 110 7.9 82 95 10.8 84 101 9.3 87 87 9.9 82 96 10.7 84 102 9.2 87 88 9.7 82 97 10.6 84 103 9.2 87 89 9.5 82 98 10.6 84 104 9.1 87 90 9.3 82 99 10.5 84 105 9.1 87 91 9.1 82 100 10.4 84 106 9.1 87 92 8.9 82 101 10.4 84 107 9 87 93 8.8 82 102 10.3 84 108 9 87 94 8.6 82 103 10.3 84 109 9 87 95 8.5 82 104 10.3 84 110 9 87 96 8.4 82 105 10.2 85 85 11.1 87 97 8.3 82 106 10.2 85 86 10.9 87 98 8.1 82 107 10.2 85 87 10.6 87 99 8 82 108 10.1 85 88 10.4 87 100 8 82 109 10.1 85 89 10.2 87 101 7.9 82 110 10.1 85 90 10 87 102 7.8 83 83 12.4 85 91 9.9 87 103 7.7 83 84 12.1 85 92 9.7 87 104 7.7 83 85 11.9 85 93 9.6 87 105 7.6 83 86 11.6 85 94 9.4 87 106 7.6 83 87 11.4 85 95 9.3 87 107 7.5 83 88 11.2 85 96 9.2 87 108 7.5 83 89 11 85 97 9.1 87 109 7.5 83 90 10.9 85 98 9 87 110 7.4 83 91 10.7 85 99 8.9 88 88 9.4 83 92 10.6 85 100 8.9 88 89 9.2 83 93 10.5 85 101 8.8 88 90 8.9 83 94 10.4 85 102 8.7 88 91 8.8 83 95 10.3 85 103 8.7 88 92 8.6 83 96 10.2 85 104 8.6 88 93 8.4 83 97 10.1 85 105 8.6 88 94 8.3 83 98 10 85 106 8.5 88 95 8.1 83 99 9.9 85 107 8.5 88 96 8 83 100 9.9 85 108 8.5 88 97 7.9 83 101 9.8 85 109 8.4 88 98 7.8 83 102 9.8 85 110 8.4 88 99 7.6 83 103 9.7 86 86 10.5 88 100 7.5 83 104 9.7 86 87 10.3 88 101 7.5 83 105 9.6 86 88 10 88 102 7.4 83 106 9.6 86 89 9.8 88 103 7.3 83 107 9.6 86 90 9.6 88 104 7.2 83 108 9.6 86 91 9.5 88 105 7.2 83 109 9.5 86 92 9.3 88 106 7.1 83 110 9.5 86 93 9.1 88 107 7.1 84 84 11.7 86 94 9 88 108 7 84 85 11.5 86 95 8.9 88 109 7 84 86 11.2 86 96 8.8 88 110 7 84 87 11 86 97 8.7 89 89 8.9 84 88 10.8 86 98 8.6 89 90 8.7 84 89 10.6 86 99 8.5 89 91 8.4 84 90 10.4 86 100 8.4 89 92 8.3 84 91 10.3 86 101 8.3 89 93 8.1

Two lives, male and female, joint and survivor, female is the younger age (continued) Female Male Exp. 89 94 7.9 89 95 7.8 89 96 7.6 89 97 7.5 89 98 7.4 89 99 7.3 89 100 7.2 89 101 7.1 89 102 7 89 103 6.9 89 104 6.8 89 105 6.8 89 106 6.7 89 107 6.7 89 108 6.6 89 109 6.6 89 110 6.6 90 90 8.4 90 91 8.2 90 92 8 90 93 7.8 90 94 7.6 90 95 7.5 90 96 7.3 90 97 7.2 90 98 7.1 90 99 6.9 90 100 6.8 90 101 6.7 90 102 6.6 90 103 6.5 90 104 6.5 90 105 6.4 90 106 6.3 90 107 6.3 90 108 6.2 90 109 6.2 90 110 6.2 Male Female Exp.

Copyright (c) 2005 PG Calc Incorporated