The Life Expectancy tables in the Truth Concepts Calulators “Tools” section show the AVERAGE number of years a particular person will live. You can choose the age, male/female, standard/preferred, smoker/non-smoker and joint/single. Then remember that the number of years you see in the L.E. column is an average. For example, when a 35 year old male, preferred, non-smoker turns 65, there are 20.78 years of his life remaining on average. This means 50% of the people will live longer than 20.78 years and 50% of the people will live less than 20.78 years.