• Projection of Impaired Life Expectancy for Individuals in the United Kingdom Using Estimated Excess Death Rates

      Jones, David Bowen; Gray, Nicole R.; Reid, Madeleine; Scott, William F. (American Academy of Insurance Medicine, 2021-08-02)
      We have recently constructed tables of the estimated life expectancies of impaired lives on the basis of mortality ratios and the cohort life expectancy tables given in the 8th edition of the Ogden Tables, which are derived from the ONS 2018-based population projections for the United Kingdom.1,2 The life expectancy of impaired lives may also be estimated using excess death rates. In this paper, we give tables of life expectancies for impaired lives using a range of excess death rates for males and females from age 0 to age 100. As both mortality ratios and excess death rates are widely used in medical and legal settings, it is hoped that these additional tables of life expectancies will be of practical value.
    • Projection of Impaired Life Expectancy in Individuals in the United Kingdom Using Mortality Ratios

      Jones, David Bowen; Gray, Nicole R.; Reid, Madeleine; Scott, William F. (American Academy of Insurance Medicine, 2021-08-02)
      Projections of life expectancy are widely used in medicine, actuarial practice, and in the medicolegal and insurance fields. For individuals considered to have average future survival, nationally-derived life expectancy tables are available, referred to as the Ogden Tables. In the United Kingdom, updated tables (the 8th edition) were published in July 2020. We have calculated impaired projected life expectancies for the United Kingdom based on age and gender, derived from the 8th edition of the Ogden Tables together with various assumed lifelong mortality ratios.