what is a normal mortality rate 
the 2021 mortality rate in the united states was 835 4 deaths per 100 000 people this meant an average life expectancy of 76 1 years however your expected mortality changes as you get older the life expectancy for a 65 year old was 83 4 years in 2021 8the bottom linevaluation mortality tables are tools used by insurance companies to help calculate various values used in designing and pricing insurance products mortality rates reflect the likelihood that a person will die at a given age based on such factors as their current health even though mortality tables are mainly used by insurers you can also use this information for your own financial insurance and retirement planning 