Recent research by Policy Selection Ltd highlights that older non-smokers and those aged 70 and above are likely to have a significantly increased life expectancy should they tick some or all of the key boxes established by insurance underwriters responsible for calculating life expectancy.
PSL, which runs Assured Fund, a leading UK life settlement fund, asked its two main underwriters to identify the key factors that directly impact on life expectancy for those aged 72 and over.
City dwellers benefit from these factors more than those who live in a rural environment. These include the ability to receive quick, quality medical care for the majority of conditions, especially for those who have pre-existing medical conditions which necessitate frequent, expert support.
Having a pet, preferably a dog in need of daily exercise, can make a considerable difference. Just walking a dog a couple of times a day can equate to 18 months to typical life expectancy .
Regular exercise, like swimming, playing tennis or golf, can also equate to a minimum of 12 to 18 months life expectancy for a 75-year-old man or woman.
Those aged 75 plus still living with their spouse have a greater likelihood of a longer life. A man aged 75 who suffers from acute depression as the result of losing his wife can experience a reduction in life expectancy of up to two years.
There are multiple factors which can impact on life expectancy, such as, cardiovascular illnesses, arthritis and diabetes ; some of these fundamentals form a significant basis on which life expectancy criteria are based.
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Thu, 01 Oct 2009
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