Insurers that want to sell life insurance to 80-year-olds should consider looking for first-born daughters of farmers who owned farms out west.[@@]
And it wouldn’t hurt if the women were born in January.
Natalia Gavrilova and Leonid Gavrilov have published figures supporting that strategy in a paper on centenarians released by the life insurance research committee at the Society of Actuaries, Schaumburg, Ill.
Gavrilova and Gavrilov, researchers at the University of Chicago, based their paper on analysis of records for 485 people born from 1890 to 1900 who lived to 100. The data came from Web-based genealogies, Social Security death records and census records.
Because of concerns about data quality, the researchers used data only for centenarians born in the United States.
The researchers also used census data to compare conditions in the homes of children who lived to 100 with conditions in other homes.
Women in developed countries tend to live longer than men do, and 76% of the centenarians included in the study were women, the researchers write.