Life expectancy isn't an estimate of how long you are likely to stay alive. It represents the average number of years a person of a given age is expected to live. These days, the life expectancy of a healthy 65-year-old man is another 20 or so years, while for a woman of the same age, it's an additional 22 years.

Many people will live longer. As the above chart shows, a 65-year-old man has a 30% probability of living to 90; a 65-year-old woman has a 40% chance. And the chance that at least one member of a 65-year-old couple will be alive at 90 is higher -- 60%.

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