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How Has the Variance of Longevity Changed Over Time?

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  • Gal Wettstein
  • Yimeng Yin

Abstract

The brief’s key findings are: (1)Life expectancy is a key consideration for retirement planning.(2)The uncertainty around this expectation, however, is what makes lifetime income sources like Social Security and annuities so valuable.(3)The analysis explores how the variance around average longevity has changed over time by race, education, and gender.(4)Most groups saw a modest increase in the variance, except for low-education Black men who saw a decline due to a drop in deaths at younger ages.(5)Importantly, Blacks and those with less education consistently show higher variance in lifespans, making lifetime income particularly valuable for them.

Suggested Citation

  • Gal Wettstein & Yimeng Yin, 2025. "How Has the Variance of Longevity Changed Over Time?," Issues in Brief ib2025-01, Center for Retirement Research.
    • Handle: RePEc:crr:issbrf:ib2025-01
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    File URL: https://crr.bc.edu/will-auto-ira-programs-affect-medicaid-enrollment-2/
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