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What are the odds over a mortgage term?

This uses the Office for National Statistics' national life tables, the same population data actuaries work from. It describes a population, not you personally.

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Sex

UK insurance pricing itself has been gender-neutral since the EU Gender Directive took effect in December 2012 — insurers cannot charge men and women different premiums for the same cover. Sex is asked here only because the underlying ONS mortality data is recorded separately for men and women.

Typical mortgage terms

The odds

Of 100 people your age, around 17 die before the end of a 25-year term.

This comes from a period life table: it applies current, population-wide mortality rates to every age group at once. It is not a personal forecast and takes no account of your own health, family history or lifestyle.

Source: Office for National Statistics, National life tables, UK: 2022 to 2024.

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