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World life expectancy map

Life expectancy is the only average with its confidence interval applied to the entire population. Now, behavior obviously impact on longevity (Cigarette, Alcohol, junk food, sport, etc ...). Life insurance companies are using these behavioral criteria and life expectancy to assess the risk for life insurance products (Death Borrower). It is also the differentiation between age calculated from the date of birth and biological age (obtained following medical tests).

The average life expectancy world wide is higher in developed countries than other countries. The premiums for a life insurance is therefore also more expensive in non-developed countries. 

Having a healthy life style will increase life expectancy with 7 years. Smoking will reduce life expectancy on average with 7 years. 

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