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In 2004, women's life expectancy exceeded men's life expectancy by 5.2 years, the smallest gender gap in life expectancy since 1946. Life expectancy for whites was five years greater than that of blacks. Life expectancy for black and white men and women was as follows: 1  Black male: 69.8 years.  White male: 75.7 years.
For example, a 63-year-old male has a life expectancy of 17.25 years. If a man with a full retirement age of 66 begins his benefit at age 63, he can expect (on average) to live 27 months (two and one-fourth years) past the break-even point, when the later benefit catches up with the earlier benefit.or example, a 63-year-old male has a life expectancy of 17.25 years. If a man with a full retirement age of 66 begins his benefit at age 63, he can expect (on average) to live 27 months (two and one-fourth years) past the break-even point, when the later benefit catches up with the earlier benefit.