It says she's 20 and it's a 35 year period, or 55 years. That means she's born around 1995 and the life expectancy for a black female was 74 years, almost 20 ye

It says she's 20 and it's a 35 year period, or 55 years. That means she's born around 1995 and the life expectancy for a black female was 74 years, almost 20 years longer than the end of her payouts. I don't think the risk of death is anywhere near significant enough for her to sign away half a million dollars in payments for $60k. She barely got more than 10 cents on the dollar in nominal amounts, and still less than 20c on the dollar in present dollar terms. I'd gladly pay double what she got and I'd still make a ton of money all things considered. The number you were quoting (63) by the way is 'years of life remaining', not life expectancy as in 'age of death'. For example for a 100 year old the number is 2 years, which doesn't mean she'll live to 2 years old, obviously :)