Posted by The Policy Settlement Alliance on Fri, Aug 13, 2010 @ 10:15 AM
By: Richard S. Bernstein
Life expectancy for men is shorter than for women. It sounds strange because one would think that women would live as long because men are “better”, “faster” and “stronger”. Not to mention, they are usually the providers of the household. However, men have always had a shorter life expectancy than women have.
Life expectancy represents how long a person is supposed to live.
Why are life expectancies for men shorter than for women? Although it is not fully understood, most people say it is because men are employed in more dangerous occupations such as factories and the military and they generally drink, smoke, and drive more than women. Another statistic says that they are also murdered more often. All of these scenarios are reasons that lead to women living longer when compared to men.
To learn more about life expectancies for men, please click the LIVEpdq that will help take you through the process.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by The Policy Settlement Alliance on Sat, Jul 10, 2010 @ 10:39 AM
By Joseph W. Horner
Throughout time the life expectancy for men has always been shorter than for women. While researchers are looking at this trend to try and come up with ways to explain this there are several common sense factors that explain why the life expectancy for men is shorter.
Men are twice as likely to die in an automobile accident due to tendencies of males to drive more aggressively; the more dangerous jobs are taken by men so much that 92% of work related deaths are men; men drink, smoke and use drugs on a higher percentage than women; women are twice as likely to get routine checkups than men which allows for early detection of medical issues; men make up 85% of suicides at ages 65 and up due to difficulties in finding meaning in life after retirement, men age 55 to 74 are twice as likely to die of heart disease with heart disease being the leading reason for medical complication for death in the elderly; plus men other factors.
At birth the life expectancy for men is 5.2 years less than women but this gap does decrease with age until there are only a few months difference at age 100. As with females the life expectancy does improve the older a man gets meaning that as someone gets older the life expectancy gets longer. For example, at birth men are expected to live about 75.2 years but a male aged 60 years old has an 80.01 life expectancy.
For more information please visit LIVEpdq.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Tue, Jun 29, 2010 @ 08:06 AM
By Michael H Wilner
The life expectancy for men is significantly less than the life expectancy for women. This is the reason men pay more than women for their life insurance.
There are many ways men can improve there health and longevity. Some of the ways men can increase longevity are drive safely, don’t drink too much or smoke, exercise and get a check up. Don’t wait until you know you have a major problem that just won’t go away before you go to the Doctor.
The life expectancy for men is just one of the factors to consider when purchasing a life insurance policy. Some of the other factors include if you purchased your life insurance to cover a particular need such as to cover your mortgage, children’s education or estate taxes. Many things will change throughout your life time, which means you really should review your life insurance plan to see if it still fits your needs or if your policy is still performing the way you thought it would based on today’s economy.
So, although the life expectancy for men is an important factor when reviewing your life insurance plan there are many other factors to consider. Click our Livepdq link to see if we can help you today!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 10:02 PM
By Edward E Leisher
Mortality rates vary by region but the Life Expectancy For Men
is lower than that of a woman’s. A life expectancy is a statistical calculation of the remaining number of years of life projected at a certain age.
There are numerous theories for the difference in a Life Expectancy For Men vs. woman. However, these theories have not been proven or been able to pinpoint the reason for the mortality rate differences between men and woman.
One theory for the lower Life Expectancy For Men assumes that historically speaking, in most cultures, men commonly used more drugs, alcohol and tobacco than women. The higher consumption in men results in a higher death rate from diseases related to this use such as lung cancer or cirrhosis of the liver.
Another guess as to why the Life Expectancy For Men is shorter than woman points towards occupation choices. According to statistics, more men are employed in hazardous jobs such as mining or factory work.
There is also another theory that the reason women have higher life expectancies than men are that statistically, smaller folks live longer lives.
While some may argue that these are only theories, the fact still remains that the Life Expectancy For Men is shorter than that for women.
Learn more about LIVEpdq!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 09:45 PM
By Scott J Dressel
Today the life expectancy for men
in the United States according to the 2005 Periodic Life Table published by the Social Security administration is 74.81 years for a newborn. Interesting enough once one reaches age 75 the life expectancy for men is another 10.26 years.
When reviewing these tables one must remember they are looking at averages and not specifics. Early in life diseases and accidents that result in death factor in to averages reflected in this published table. Also one must consider life style factors into the life expectancy for men.
These factors include smoking habits, dietary intake, exercise regimens including overall weight control and sleeping habits as well. Life expectancy for men and women overall has been increasing over the last century and much has been written about why people are living longer.
Some research reflects opinion some reflects fact. Diet research has a tendency to reflect opinions while issues such as heavy smoking reflect towards scientific studies. Both of these together have an impact on life expectancy for men and women in todays marketplace.
Click our Livepdq link to see if we can help you with your needs.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 08:21 PM
By
Stephen R. Bathon, CLU, ChFC, AEP
Life expectancy for men
varies dramatically around the world. The recent AIDS epidemic in Africa, for example, has reduced, life expectancy to as low as 33 years in several Central African countries.
Life expectancy for men in the United States is currently about 75.5 years while women live about 5.5 years longer. That too varies by country with Russian women living 12 years longer than Russian men. Men in Japan and China live even longer than American men.
In recent years, the cost of life insurance has come down dramatically. When asked, most people would attribute the lower costs to people living longer. That would be a mistake.
Life expectancy for men is also a function of infant mortality. When babies live longer, life expectancy for men increases, but babies don’t buy life insurance and neither do people with low paying, hazardous jobs, who don’t eat well and seldom see a doctor.
Life insurance is less expensive due to consumerism, computerization, better product development and a superior distribution system. The agency system, with its 93% attrition rate, increased the cost of distribution. For every 7 agents who stayed in the business, 93 agents eventually failed and the consumer paid the price for that inefficiency.
In the last 100 years life expectancy for men has almost doubled, but that is not the cause of lower rates. Actually people who buy life insurance have always lived longer, as they generally have money, are educated, and take better care of themselves.
For more information on insurance settlement, please click the
LIVEpdqNote: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Mon, Jun 28, 2010 @ 07:06 PM
By Stephen A. Bailey
Life expectancy for men
has changed dramatically since 1910, the last one hundred years. In 1910, the average Life Expectancy for men was 48.4 years! It's now about 77.4 years. Even when I started in the Life Insurance business in late 1979, the oldest age we could write a life Insurance policy was aged 70. Soon after, in the mid-80's, we went to age 75. Now, we can write a Life Insurance policy up to age 90. As you can see we are rapidly and dynamically changing in a relatively short period of time.
Is older age becoming a problem? Yes, financially for many, this becoming a huge problem. Alzheimers disease is nothing new. It was discovered in 1906, when we just were beginning to live longer. Alzheimers does not hit someone until they are between 50 - 60 years of age. So back in 1910, we just didn't see it much. But, now, statistically, 32% of all of those reaching age 85, will have Alzheimers. Think about it, that is a huge number especially with 75 million of us now between the ages of 55 to 70. We are going to have 25 million people with this problem, in the next 10 to 25 years.
So....what does this mean relative to Life Expectancy for men now living within 5 years of women? It means that suddenly, Life Insurance and the opportunities to use it or sell it, have become big business. Life Settlements have become big business and the policies have now become extremely valuable to own as well as to sell and will continue that path for many years to come. For more Information click LivePDQ to find how we can help you.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Fri, Jun 25, 2010 @ 02:12 PM
By Marlin E Leisher
The life expectancy for men is shorter than for women. That's why women reportedly own 83% of all of the world’s wealth.
Because the life expectancy for men is shorter, their life insurance premiums are significantly higher, especially at older ages. Or, as my brother once told me, due to the shorter life expectancy for men and your life style don't start a new book or buy a new suit.
Today there are 15 people over 115 years old, of which only two are men... reinforcing the sad but true fact that the life expectancy for men is shorter. So men, don't blink an eye it may be your last time.
On the positive side, because the life expectancy for men is shorter, their policies are more in demand for life settlements. Especially in todays market, when investors are focusing more on life settlement policies they can hold for shorter durations before collecting the death benefits.
Click the LivePDQ link to see if we can help you sell your life insurance policy.
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.
Posted by Alice Hood on Fri, Jun 25, 2010 @ 02:04 PM
By Marlin E Leisher
Life expectancy is a big factor in the business of life insurance, life expectancy for men
is an even bigger factor. More men obtain life insurance to protect young families should the typical head of household meet with an untimely death. When assessing the future financial needs of a family, the life expectancy for men is surely taken into account. On average a man will die just over 5 years prior to his female spouse.
Insurance companies are vastly aware of this knowledge. When purchasing a policy it is the primary tool used to assess the level of life insurance a provider will offer. In addition it is a major factor in determining the amount of premium to be paid each year to keep the policy in force. Life expectancy for men is also considered when a male is looking to settle an existing life insurance policy.
For more information on life expectancy for men and how it effects a man’s life insurance policy click the LivePDQ link today!
Note: Blog posts reflect the opinion of the author, which may differ from the opinion of policysettlement.com.