Life Expectancy Calculator

Approximately. Health factors (BMI, blood pressure, cholesterol, smoking, exercise) predict better than averages. Genetics matters but ~25%; environment/behavior 75%. Online calculators available.

Plan conservatively: assume 90+ if you want certainty. If average 80, plan 85–90 to have buffer. Longevity risk = money running out. Annuities/pensions provide longevity insurance.

Huge. Smokers lose ~10 years. Obesity ~5–10 years. Sedentary ~5 years. Chronic disease (diabetes, heart disease) 5–15 years. Conversely, exercise, normal weight, no smoking = 80s–90s realistic.