Your odds of dying by age

See exactly how your age and sex affects your chances of dying.

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The average Australian might be living longer than ever before, but your age and sex still have a significant impact on your odds of dying, according to 2017 data from the General Record of Incidence of Mortality (GRIM). Most Australian men and women die when they are 85 and older, but it's men who are likely to die younger.

Interested in finding out your chances of dying? We've gathered the odds by age and sex group. Some of the statistics may surprise you.

Age groupMale odds of dyingFemale odds of dyingOverall
0-40.08%0.07%0.15%
5-90.01%0.01%0.02%
10-140.01%0.01%0.02%
15-190.04%0.02%0.06%
20-240.06%0.02%0.08%
25-290.07%0.03%0.09%
30-340.08%0.04%0.12%
35-390.11%0.06%0.17%
40-440.16%0.09%0.24%
45-490.23%0.13%0.36%
50-540.32%0.21%0.52%
55-590.49%0.29%0.78%
60-640.74%0.44%1.18%
65-691.15%0.70%1.85%
70-741.87%1.18%3.05%
75-793.25%2.13%5.38%
80-845.88%4.12%10.00%
85+14.42%12.70%27.12%

Probability of death by age

Here are some interesting takeaways from the data:

Chances of dying before 50

Men are more likely to die before the age of 50 than women. According to GRIM, 1,856 men died between the ages of 45-49 compared to 1,124 women in 2017; that's a difference of 732 deaths.

Chances of dying before 30

While the number of deaths are much smaller before the age of 30, in some instances, men are over 50% more likely to die than women. For example, between the ages of 25-29, the age specific death-rates per 100,000 for females was 26.1, compared to 65 for males.

Odds of living to 60

Both men and women are less likely to die before their 60th birthday. Since 1990, there has been a year on year improvement in your chances of living to 60. The chances of dying in your early 60s are becoming increasingly unlikely as well. In the age group 60 to 64, there were 7,806 deaths in 2017, compared to 7,839 in 2016, 7,923 in 2015 and 7,955 in 2014.

Get life insurance for peace of mind

If you're worried about your odds of dying, you're not alone. Some things you simply can't prevent. Fortunately, you can take care of one concern now. If you're worried about leaving your family enough behind or have assets to protect, a life insurance policy can provide much-needed income when you pass away.

Even if your odds of dying by age or gender are low, it's arguably the best time to get life insurance. That's because life insurance providers consider all these statistics when underwriting a policy. They look at your odds of dying against the population, sex and age group you belong to. These odds help an insurance company determine the probability of you dying before your next birthday or in the next few years.

What does this mean for you? In a nutshell, your premiums are likely to be cheaper if your odds of dying are lower. So if your chances are low, it's a great time to buy life insurance. For example, based on a stepped policy with NobleOak, there could be a $104.26* difference in price between a life insurance policy aged 31 and 40.

Needless to say, you longer you put if off, the more expensive your premiums are likely to be, especially if you have developed any health conditions.

*Stepped level premiums are based on a sample profile from NobleOak Premium Direct Life Insurance in February 2019. Level premium is made up for illustrative purposes.

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