참고 : 보험료 낼 돈 3분의 1이면 무상의료 한다. (이정환닷컴)
참고 : 한국형 폭삼, 만들어보자. (이정환닷컴)
경험생명표란 보험회사에서 보험 계약자들의 성별, 성별, 연령별, 생존·사망률과 잔여수명 등을 예측해 만든 표다. 보험개발원이 5년 주기로 산출하고 이게 바로 보험료 산출의 기본 자료가 된다. 2002년에 만든 4차 경험생명표까지 나와있는데 보험회사들은 이 표를 잘 공개하지 않으려고 한다.
아래 표는 경험생명표 가운데 무배당 생존·사망률이라는 표다. 인구 10만명을 기준으로 해마다 몇명씩 죽고 살아남는가 나와있다. 생존률은 올해 1년 동안 살아남을 확률, 사망률은 올해 1년 동안 죽을 확률, 평균 여명은 지금 나이에서 앞으로 평균 몇년을 더 사는가다. 남자와 여자로 나뉘어 있다.
남자
연령 | 생존자수 | 사망자수 | 생존률 | 사망률 | 평균여명 |
0 | 100,000 | 610 | 0.9939 | 0.0061 | 72.76 |
1 | 99,390 | 104 | 0.99895 | 0.00105 | 72.21 |
2 | 99,285 | 84 | 0.99915 | 0.00085 | 71.28 |
3 | 99,201 | 67 | 0.99932 | 0.00068 | 70.34 |
4 | 99,133 | 54 | 0.99946 | 0.00054 | 69.39 |
5 | 99,080 | 45 | 0.99955 | 0.00045 | 68.43 |
6 | 99,035 | 39 | 0.99961 | 0.00039 | 67.46 |
7 | 98,997 | 35 | 0.99965 | 0.00035 | 66.48 |
8 | 98,962 | 32 | 0.99968 | 0.00032 | 65.51 |
9 | 98,930 | 30 | 0.9997 | 0.0003 | 64.53 |
10 | 98,901 | 29 | 0.99971 | 0.00029 | 63.55 |
11 | 98,872 | 30 | 0.9997 | 0.0003 | 62.56 |
12 | 98,842 | 33 | 0.99967 | 0.00033 | 61.58 |
13 | 98,810 | 38 | 0.99962 | 0.00038 | 60.6 |
14 | 98,772 | 45 | 0.99954 | 0.00046 | 59.63 |
15 | 98,727 | 56 | 0.99943 | 0.00057 | 58.65 |
16 | 98,670 | 67 | 0.99932 | 0.00068 | 57.69 |
17 | 98,603 | 78 | 0.99921 | 0.00079 | 56.73 |
18 | 98,525 | 88 | 0.99911 | 0.00089 | 55.77 |
19 | 98,438 | 96 | 0.99902 | 0.00098 | 54.82 |
20 | 98,341 | 104 | 0.99894 | 0.00106 | 53.87 |
21 | 98,237 | 111 | 0.99887 | 0.00113 | 52.93 |
22 | 98,126 | 116 | 0.99882 | 0.00118 | 51.99 |
23 | 98,010 | 118 | 0.9988 | 0.0012 | 51.05 |
24 | 97,893 | 116 | 0.99881 | 0.00119 | 50.11 |
25 | 97,776 | 113 | 0.99884 | 0.00116 | 49.17 |
26 | 97,663 | 107 | 0.9989 | 0.0011 | 48.23 |
27 | 97,555 | 102 | 0.99895 | 0.00105 | 47.28 |
28 | 97,453 | 98 | 0.99899 | 0.00101 | 46.33 |
29 | 97,354 | 95 | 0.99902 | 0.00098 | 45.37 |
30 | 97,259 | 95 | 0.99902 | 0.00098 | 44.42 |
31 | 97,164 | 97 | 0.999 | 0.001 | 43.46 |
32 | 97,066 | 100 | 0.99897 | 0.00103 | 42.5 |
33 | 96,967 | 103 | 0.99894 | 0.00106 | 41.55 |
34 | 96,864 | 108 | 0.99889 | 0.00111 | 40.59 |
35 | 96,756 | 114 | 0.99882 | 0.00118 | 39.64 |
36 | 96,642 | 124 | 0.99872 | 0.00128 | 38.68 |
37 | 96,518 | 136 | 0.99859 | 0.00141 | 37.73 |
38 | 96,382 | 151 | 0.99843 | 0.00157 | 36.78 |
39 | 96,231 | 168 | 0.99825 | 0.00175 | 35.84 |
40 | 96,063 | 186 | 0.99806 | 0.00194 | 34.9 |
41 | 95,876 | 206 | 0.99785 | 0.00215 | 33.97 |
42 | 95,670 | 227 | 0.99763 | 0.00237 | 33.04 |
43 | 95,443 | 252 | 0.99736 | 0.00264 | 32.12 |
44 | 95,191 | 282 | 0.99704 | 0.00296 | 31.2 |
45 | 94,910 | 316 | 0.99667 | 0.00333 | 30.29 |
46 | 94,593 | 353 | 0.99627 | 0.00373 | 29.39 |
47 | 94,241 | 391 | 0.99585 | 0.00415 | 28.5 |
48 | 93,850 | 428 | 0.99544 | 0.00456 | 27.62 |
49 | 93,422 | 465 | 0.99502 | 0.00498 | 26.74 |
50 | 92,956 | 506 | 0.99456 | 0.00544 | 25.87 |
51 | 92,451 | 550 | 0.99405 | 0.00595 | 25.01 |
52 | 91,901 | 601 | 0.99346 | 0.00654 | 24.16 |
53 | 91,300 | 658 | 0.99279 | 0.00721 | 23.31 |
54 | 90,641 | 722 | 0.99204 | 0.00796 | 22.48 |
55 | 89,920 | 789 | 0.99122 | 0.00878 | 21.66 |
56 | 89,130 | 858 | 0.99037 | 0.00963 | 20.84 |
57 | 88,272 | 930 | 0.98946 | 0.01054 | 20.04 |
58 | 87,342 | 1,008 | 0.98846 | 0.01154 | 19.25 |
59 | 86,334 | 1,093 | 0.98734 | 0.01266 | 18.47 |
60 | 85,241 | 1,178 | 0.98618 | 0.01382 | 17.7 |
61 | 84,063 | 1,251 | 0.98512 | 0.01488 | 16.94 |
62 | 82,812 | 1,320 | 0.98406 | 0.01594 | 16.19 |
63 | 81,492 | 1,412 | 0.98267 | 0.01733 | 15.44 |
64 | 80,080 | 1,527 | 0.98093 | 0.01907 | 14.71 |
65 | 78,552 | 1,668 | 0.97877 | 0.02123 | 13.98 |
66 | 76,885 | 1,814 | 0.9764 | 0.0236 | 13.27 |
67 | 75,070 | 1,979 | 0.97364 | 0.02636 | 12.58 |
68 | 73,091 | 2,153 | 0.97055 | 0.02945 | 11.91 |
69 | 70,939 | 2,333 | 0.96711 | 0.03289 | 11.26 |
70 | 68,606 | 2,519 | 0.96328 | 0.03672 | 10.62 |
71 | 68,086 | 2,709 | 0.95901 | 0.04099 | 10.01 |
72 | 63,378 | 2,900 | 0.95425 | 0.04575 | 9.41 |
73 | 60,478 | 3,087 | 0.94896 | 0.05104 | 8.84 |
74 | 57,391 | 3,267 | 0.94307 | 0.05693 | 8.29 |
75 | 54,124 | 3,435 | 0.93653 | 0.06347 | 7.76 |
76 | 50,689 | 3,585 | 0.92927 | 0.07073 | 7.25 |
77 | 47,104 | 3,712 | 0.9212 | 0.0788 | 6.77 |
78 | 43,392 | 3,807 | 0.91227 | 0.08773 | 6.3 |
79 | 39,585 | 3,865 | 0.90237 | 0.09763 | 5.86 |
80 | 35,720 | 3,878 | 0.89143 | 0.10857 | 5.44 |
81 | 31,842 | 3,842 | 0.87934 | 0.12066 | 5.04 |
82 | 28,000 | 3,751 | 0.86602 | 0.13398 | 4.67 |
83 | 24,249 | 3,605 | 0.85135 | 0.14865 | 4.31 |
84 | 20,644 | 3,402 | 0.83523 | 0.16477 | 3.98 |
85 | 17,243 | 3,146 | 0.81756 | 0.18244 | 3.66 |
86 | 14,097 | 2,844 | 0.79823 | 0.20177 | 3.37 |
87 | 11,253 | 2,508 | 0.77715 | 0.22285 | 3.09 |
88 | 8,745 | 2,149 | 0.75422 | 0.24578 | 2.84 |
89 | 6,596 | 1,785 | 0.72937 | 0.27063 | 2.6 |
90 | 4,811 | 1,431 | 0.70254 | 0.29746 | 2.38 |
91 | 3,380 | 1,103 | 0.67369 | 0.32631 | 2.18 |
92 | 2,277 | 813 | 0.64281 | 0.35719 | 1.99 |
93 | 1,464 | 571 | 0.60994 | 0.39006 | 1.82 |
94 | 893 | 379 | 0.57516 | 0.42484 | 1.66 |
95 | 513.4 | 236.9 | 0.53859 | 0.46141 | 1.51 |
96 | 276.5 | 138.2 | 0.50042 | 0.49958 | 1.38 |
97 | 138.4 | 74.6 | 0.46092 | 0.53908 | 1.26 |
98 | 63.8 | 37 | 0.42041 | 0.57959 | 1.15 |
99 | 26.8 | 16.6 | 0.3793 | 0.6207 | 1.06 |
100 | 10.2 | 6.7 | 0.33804 | 0.66196 | 0.96 |
101 | 3.4 | 2.4 | 0.29719 | 0.70281 | 0.87 |
102 | 1 | 0.8 | 0.2573 | 0.7427 | 0.76 |
103 | 0.3 | 0.3 | 0 | 1 | 0.5 |
여자
연령 | 생존자수 | 사망자수 | 생존률 | 사망률 | 평균여명 |
0 | 100,000 | 232 | 0.99768 | 0.00232 | 81.71 |
1 | 99,768 | 98 | 0.99902 | 0.00098 | 80.9 |
2 | 99,670 | 75 | 0.99925 | 0.00075 | 79.98 |
3 | 99,595 | 55 | 0.99945 | 0.00055 | 79.04 |
4 | 99,540 | 40 | 0.9996 | 0.0004 | 78.08 |
5 | 99,501 | 31 | 0.99969 | 0.00031 | 77.11 |
6 | 99,470 | 25 | 0.99975 | 0.00025 | 76.14 |
7 | 99,445 | 22 | 0.99978 | 0.00022 | 75.16 |
8 | 99,423 | 20 | 0.9998 | 0.0002 | 74.17 |
9 | 99,403 | 19 | 0.99981 | 0.00019 | 73.19 |
10 | 99,384 | 20 | 0.9998 | 0.0002 | 72.2 |
11 | 99,364 | 22 | 0.99978 | 0.00022 | 71.22 |
12 | 99,342 | 25 | 0.99975 | 0.00025 | 70.23 |
13 | 99,318 | 28 | 0.99972 | 0.00028 | 69.25 |
14 | 99,290 | 31 | 0.99969 | 0.00031 | 68.27 |
15 | 99,259 | 33 | 0.99967 | 0.00033 | 67.29 |
16 | 99,226 | 36 | 0.99964 | 0.00036 | 66.31 |
17 | 99,191 | 37 | 0.99963 | 0.00037 | 65.33 |
18 | 99,154 | 38 | 0.99962 | 0.00038 | 64.36 |
19 | 99,116 | 38 | 0.99962 | 0.00038 | 63.38 |
20 | 99,079 | 39 | 0.99961 | 0.00039 | 62.41 |
21 | 99,040 | 40 | 0.9996 | 0.0004 | 61.43 |
22 | 99,000 | 41 | 0.99959 | 0.00041 | 60.46 |
23 | 98,960 | 42 | 0.99958 | 0.00042 | 59.48 |
24 | 98,918 | 42 | 0.99958 | 0.00042 | 58.5 |
25 | 98,877 | 42 | 0.99958 | 0.00042 | 57.53 |
26 | 98,835 | 42 | 0.99958 | 0.00042 | 56.55 |
27 | 98,794 | 42 | 0.99957 | 0.00043 | 55.58 |
28 | 98,751 | 44 | 0.99955 | 0.00045 | 54.6 |
29 | 98,707 | 46 | 0.99953 | 0.00047 | 53.62 |
30 | 98,660 | 49 | 0.9995 | 0.0005 | 52.65 |
31 | 98,611 | 52 | 0.99947 | 0.00053 | 51.68 |
32 | 98,559 | 54 | 0.99945 | 0.00055 | 50.7 |
33 | 98,504 | 56 | 0.99943 | 0.00057 | 49.73 |
34 | 98,448 | 58 | 0.99941 | 0.00059 | 48.76 |
35 | 98,390 | 60 | 0.99939 | 0.00061 | 47.79 |
36 | 98,330 | 62 | 0.99937 | 0.00063 | 46.82 |
37 | 98,268 | 65 | 0.99934 | 0.00066 | 45.85 |
38 | 98,203 | 70 | 0.99929 | 0.00071 | 44.88 |
39 | 98,134 | 76 | 0.99923 | 0.00077 | 43.91 |
40 | 98,058 | 82 | 0.99916 | 0.00084 | 42.94 |
41 | 97,976 | 89 | 0.99909 | 0.00091 | 41.98 |
42 | 97,887 | 97 | 0.99901 | 0.00099 | 41.01 |
43 | 97,790 | 106 | 0.99892 | 0.00108 | 40.05 |
44 | 97,684 | 116 | 0.99881 | 0.00119 | 39.1 |
45 | 97,568 | 128 | 0.99869 | 0.00131 | 38.14 |
46 | 97,440 | 141 | 0.99855 | 0.00145 | 37.19 |
47 | 97,299 | 155 | 0.99841 | 0.00159 | 36.25 |
48 | 97,144 | 168 | 0.99827 | 0.00173 | 35.3 |
49 | 96,976 | 180 | 0.99814 | 0.00186 | 34.36 |
50 | 96,796 | 195 | 0.99799 | 0.00201 | 33.43 |
51 | 96,601 | 210 | 0.99783 | 0.00217 | 32.49 |
52 | 96,391 | 227 | 0.99764 | 0.00236 | 31.56 |
53 | 96,164 | 244 | 0.99746 | 0.00254 | 30.63 |
54 | 95,920 | 262 | 0.99727 | 0.00273 | 29.71 |
55 | 95,658 | 277 | 0.9971 | 0.0029 | 28.79 |
56 | 95,380 | 296 | 0.9969 | 0.0031 | 27.87 |
57 | 95,085 | 317 | 0.99667 | 0.00333 | 26.96 |
58 | 94,768 | 340 | 0.99641 | 0.00359 | 26.05 |
59 | 94,428 | 369 | 0.99609 | 0.00391 | 25.14 |
60 | 94,059 | 404 | 0.99571 | 0.00429 | 24.24 |
61 | 93,655 | 444 | 0.99526 | 0.00474 | 23.34 |
62 | 93,211 | 487 | 0.99478 | 0.00522 | 22.45 |
63 | 92,725 | 540 | 0.99418 | 0.00582 | 21.56 |
64 | 92,185 | 621 | 0.99326 | 0.00674 | 20.69 |
65 | 91,564 | 754 | 0.99176 | 0.00824 | 19.82 |
66 | 90,809 | 843 | 0.99072 | 0.00928 | 18.98 |
67 | 89,966 | 940 | 0.98955 | 0.01045 | 18.16 |
68 | 89,026 | 1,048 | 0.98823 | 0.01177 | 17.34 |
69 | 87,978 | 1,166 | 0.98675 | 0.01325 | 16.54 |
70 | 86,813 | 1,295 | 0.98508 | 0.01492 | 15.76 |
71 | 85,517 | 1,436 | 0.98321 | 0.01679 | 14.99 |
72 | 84,082 | 1,589 | 0.9811 | 0.0189 | 14.24 |
73 | 82,493 | 1,755 | 0.97873 | 0.02127 | 13.5 |
74 | 80,738 | 1,932 | 0.97607 | 0.02393 | 12.78 |
75 | 78,806 | 2,121 | 0.97308 | 0.02692 | 12.09 |
76 | 76,684 | 2,322 | 0.96972 | 0.03028 | 11.41 |
77 | 74,362 | 2,533 | 0.96594 | 0.03406 | 10.75 |
78 | 71,830 | 2,750 | 0.96171 | 0.03829 | 10.11 |
79 | 69,079 | 2,973 | 0.95696 | 0.04304 | 9.49 |
80 | 66,106 | 3,197 | 0.95164 | 0.04836 | 8.89 |
81 | 62,909 | 3,417 | 0.94568 | 0.05432 | 8.32 |
82 | 59,492 | 3,628 | 0.93901 | 0.06099 | 7.77 |
83 | 55,864 | 3,824 | 0.93155 | 0.06845 | 7.24 |
84 | 52,040 | 3,996 | 0.92322 | 0.07678 | 6.74 |
85 | 48,044 | 4,136 | 0.91392 | 0.08608 | 6.26 |
86 | 43,908 | 4,235 | 0.90355 | 0.09645 | 5.8 |
87 | 39,673 | 4,284 | 0.89201 | 0.10799 | 5.37 |
88 | 35,389 | 4,276 | 0.87918 | 0.12082 | 4.95 |
89 | 31,113 | 4,202 | 0.86495 | 0.13505 | 4.57 |
90 | 26,912 | 4,059 | 0.84919 | 0.15081 | 4.2 |
91 | 22,853 | 3,844 | 0.83178 | 0.16822 | 3.86 |
92 | 19,009 | 3,562 | 0.81259 | 0.18741 | 3.54 |
93 | 15,446 | 3,221 | 0.79149 | 0.20851 | 3.24 |
94 | 12,226 | 2,832 | 0.76838 | 0.23162 | 2.96 |
95 | 9,394 | 2,413 | 0.74314 | 0.25686 | 2.7 |
96 | 6,981 | 1,985 | 0.7157 | 0.2843 | 2.46 |
97 | 4,996 | 1,569 | 0.68599 | 0.31401 | 2.24 |
98 | 3,427 | 1,186 | 0.65399 | 0.34601 | 2.04 |
99 | 2,241 | 852 | 0.61972 | 0.38028 | 1.85 |
100 | 1,389 | 579 | 0.58326 | 0.41674 | 1.68 |
101 | 810.2 | 368.9 | 0.54473 | 0.45527 | 1.53 |
102 | 441.3 | 218.7 | 0.50436 | 0.49564 | 1.39 |
103 | 222.6 | 119.7 | 0.46245 | 0.53755 | 1.26 |
104 | 102.9 | 59.8 | 0.41939 | 0.58061 | 1.15 |
105 | 43.2 | 27 | 0.37565 | 0.62435 | 1.05 |
106 | 16.2 | 10.8 | 0.33181 | 0.66819 | 0.95 |
107 | 5.4 | 3.8 | 0.28852 | 0.71148 | 0.86 |
108 | 1.6 | 1.2 | 0.24646 | 0.75354 | 0.75 |
109 | 0.4 | 0.4 | 0 | 1 | 0.5 |