Actuaries (like a life insurance company) don't take the average life expectancy from birth. They take your current age, and find your life expectancy from the

Actuaries (like a life insurance company) don't take the average life expectancy from birth. They take your current age, and find your life expectancy from then. At 55, Kevin Kelly was expected to live 25.5 more years, or 80.5... https://www.ssa.gov/oact/STATS/table4c6.html https://www.ssa.gov/oact/STATS/table4c6.html