Life insurance-awareness-month-facts

Life Insurance: Stats and Facts
September 2014

Need for Life Insurance
States with the Highest and Lowest Age-Adjusted Death Rates, 2011
Presentation for Life Insurance Awareness Month | September 2014 Proprietary and Confidential | © General Re Life Corporation 2
665.4 660.6 659.2 641.3
584.9
New York Connecticut Minnesota California Hawaii
956.1 953.2 933.6 910.9 910.3
Mississippi West
Virginia
Alabama Oklahoma Kentucky
Highest Lowest
Source: Centers for Disease Control and Prevention, National Center for Health Statistics, Deaths: Final Data for 2011,
released June 2014
U.S. Death Rate=741.3 per 100,000 U.S. population

Percentage of Adults 18 and Over with Selected Circulatory Diseases, 2012
Coronary
Heart Disease1 Hypertension2 Stroke
Male 7.7% 25.6% 2.6%
Female 5.4% 25.4% 2.8%
18–44 0.9% 8.3% 0.6%
45–64 7.1% 33.6% 2.8%
65–74 16.2% 52.2% 6.3%
75 and older 25.7% 58.9% 10.7%
Source: Centers for Disease Control and Prevention, Vital and Health Statistics, February 2014;
Data calculated by Gen Re
1Includes coronary heart disease, angina pectoris, or heart attack
2Persons had to have been told on two or more different visits that they had hypertension or high
blood pressure to be classified as hypertensive
GenderAgeGroup

Life Expectancy by Age and Gender, 2011
At Age Male Female
5 71.9 76.6
10 66.9 71.6
15 62.0 66.7
20 57.2 61.7
25 52.5 56.9
30 47.9 52.0
35 43.2 47.2
40 38.6 42.4
45 34.0 37.8
50 29.7 33.2
At Age Male Female
55 25.5 28.8
60 21.6 24.5
65 17.8 20.3
70 14.3 16.5
75 11.1 12.9
80 8.2 9.6
85 5.9 6.9
90 4.1 4.8
95 2.9 3.3
100 2.1 2.3
released June 2014

Prevalence of Diagnosed Diabetes by Age
Source: Centers for Disease Control and Prevention, National Health Interview Survey, 2013
2%
12%
22%
20%
0%
5%
10%
15%
20%
25%
1981 1986 1991 1996 2001 2006 2011
0–44 45–64 65–74 75+

Ten Leading Causes of Death, 2011
Total Number of Deaths for All Causes = 2,515,458
39,518
45,591
53,826
73,831
84,974
126,438
128,932
142,943
576,691
596,577
Suicide
Nephritis
Influenza and Pneumonia
Diabetes Mellitus
Alzheimer’s Disease
Unintentional Injury
Cerebrovascular Disease
Chronic Lower Respiratory Disease
Malignant Neoplasm (Cancer)
Heart Disease
Total number of deaths
for top ten = 1,869,321
(74% of all causes)
released June 2014

201.2 197.2
44.0
34.1
51.7
16.8
182.0 173.4
47.6 48.4
29.8 37.5
Heart
Disease
Malignant
Neoplasm
(Cancer)
Chronic Lower
Respiratory
Disease
Cerebrovascular
Disease
Unintentional
Injury
Alzheimer’s
Disease
Male Female
Death Rates by Gender
Death Rates per 100,000 U.S. Population for Selected Causes of Death for All Ages by Gender, 2011
185.1
Combined
191.5 27.340.645.9 41.4
released June 2014

Number of Fatal Work Injuries by State, 2013*
Source: Bureau of Labor Statistics, U.S. Department of Labor, 2014 (*Data for 2013 are preliminary)

Occupational Deaths
The Four Most Frequent Work-Related Fatal Events
991
699
503
397
0
300
600
900
1,200
1,500
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013*
Highway Incidents Falls Struck by Object or Equipment Homicides
Source: Bureau of Labor Statistics, U.S. Department of Labor, 2014 (*Data for 2013 are preliminary)

Establishment Characteristics Civilian Private Industry State & Local Gov’t.
Access Participation Access Participation Access Participation
Goods-Producing Industries 73% 71% 73% 71% -- --
Service-Providing Industries 58% 57% 54% 52% 79% 77%
Education & health services 68% 67% 62% 61% 79% 77%
Educational services 76% 74% 66% 66% 79% 77%
Elementary & secondary schools 76% 75% -- -- 78% 76%
Junior colleges, colleges &
universities
83% 80% 86% 86% 81% 77%
Health care & social assistance 63% 61% 61% 60% 81% 78%
Hospitals 87% 85% -- -- 90% 87%
Public administration 83% 81% -- -- 83% 81%
All workers 60% 59% 57% 55% 79% 78%
Market Potential for Life Insurance
Employee Access to and Participation in Life Insurance Benefits by Industry
Source: U.S. Bureau of Labor Statistics, National Compensation Survey, Employee Benefits in the United States—March 2014

40%
77%
35%
55%
70%
86%
39%
75%
34%
52%
68%
85%
1–99 100 or more 1–49 50–99 100–499 500 or more
Number of Employees
Access Participation
Employee Access to and Participation in Life Insurance Benefits by Number of Employees (Private Industry)

56%
60% 61%
50%
55% 57% 59%
49%
Northeast South Midwest West
Employee Access to and Participation in Life Insurance Benefits by Geographic Area (Private Industry)

72%
13%
86%
54%
71%
11%
84%
53%
Full-time Part-time Union Non-union
Employee Access to and Participation in Life Insurance Benefits (Private Industry)
Source: U.S. Bureau of Labor Statistics, National Compensation Survey, Employee Benefits
in the United States—March 2014
Employment Status Bargaining Status

Proprietary Notice
The material contained in this presentation has been prepared
solely for informational purposes by Gen Re. The material is based
on sources believed to be reliable and/or from proprietary data
developed by Gen Re, but we do not represent as to its accuracy
or its completeness. The content of this presentation is intended to
provide a general guide to the subject matter. Specialist advice
should be sought about your specific circumstances.

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