Close Menu
    What's Hot
    Lane Clark & Peacock

    2025 Delivers Record Number of Bulk Purchase Annuity Buy-Ins in UK Pension Risk Transfer Market

    March 30, 2026
    Just Group

    Reebok UK Retirement Benefits Scheme Completes Bulk Purchase Annuity Transaction With M&G

    March 30, 2026

    Athora Group Completes Acquisition of Pension Insurance Corporation

    March 30, 2026
    X (Twitter) LinkedIn
    Longevity & Mortality Investor
    • Home
    • Coverage
      1. Life Insurance Capital Solutions
      2. Life Insurance
      3. Longevity and Mortality Risk Transfer
      4. Mortality
      5. Secondary Life Markets
      6. View All

      Reporting Change to Provide Regulators With More Transparency into US/Offshore Asset-Intensive Life Reinsurance Treaties

      January 28, 2026

      Capital Markets Investors Could Be About to Get a Slice of UK Life Insurance Risk

      November 26, 2025

      Tailwinds and Structural Strength Support Sustainable — If Moderating — US Life & Annuity Market Growth

      November 12, 2025

      US Annuity Sales Set Yet Another Quarterly Sales Record in Third Quarter of 2025

      October 30, 2025

      EIOPA Sets Out Views on Private Equity Ownership of Life Insurers in New Consultation Paper

      March 25, 2026

      US Individual Life Insurance New Premium To Set New Sales Record in 2025

      March 4, 2026

      US Life Insurers’ Ample Capital, Liquidity to Support Ratings in 2026

      February 25, 2026

      Higher Sales and Lower Lapse Counts but Rising Exit Values for US Life Insurance Market

      February 11, 2026
      Lane Clark & Peacock

      2025 Delivers Record Number of Bulk Purchase Annuity Buy-Ins in UK Pension Risk Transfer Market

      March 30, 2026
      Just Group

      Reebok UK Retirement Benefits Scheme Completes Bulk Purchase Annuity Transaction With M&G

      March 30, 2026

      Athora Group Completes Acquisition of Pension Insurance Corporation

      March 30, 2026

      Panasonic UK Pension Plan Completes Bulk Purchase Annuity Transaction With M&G

      March 25, 2026

      Better Understanding of Alzheimer’s Is Improving Lives if Not Actuarial Assumptions – Yet

      March 25, 2026

      Business as Usual in UK Pension Risk Transfer Market Amid Record Low Mortality in England and Wales

      March 25, 2026

      Latest CMI Model Shows Further Rise in Cohort Life Expectancy

      March 11, 2026

      Mortality Rates Scrutiny as Excess Deaths Data Contradicts CMI

      February 11, 2026

      Q&A: Brandon Marz, Co-Founder and Chief Strategy Officer, LifeRoc Capital

      March 25, 2026

      Update in Delaware Estate Litigation Case Provides Added Clarity to Life Settlement Market

      March 11, 2026

      Regulatory Changes Abound in Offshore US Life/Annuity Sidecar Market but Macro Picture Is the Most Likely Determinant of Further Growth

      March 11, 2026

      Kosmos Management Announces Seventh Asset-Backed Securitisation

      March 5, 2026
      Lane Clark & Peacock

      2025 Delivers Record Number of Bulk Purchase Annuity Buy-Ins in UK Pension Risk Transfer Market

      March 30, 2026
      Just Group

      Reebok UK Retirement Benefits Scheme Completes Bulk Purchase Annuity Transaction With M&G

      March 30, 2026

      Athora Group Completes Acquisition of Pension Insurance Corporation

      March 30, 2026

      Panasonic UK Pension Plan Completes Bulk Purchase Annuity Transaction With M&G

      March 25, 2026
    • Events
    • Latest Issues

      Editor’s Letter – Volume 2, Issue 3, March 2026

      March 11, 2026

      Editor’s Letter – Volume 2, Issue 2, February 2026

      February 11, 2026

      Editor’s Letter – Volume 2, Issue 1, January 2026

      January 14, 2026

      Editor’s Letter – Volume 1, Issue 3, December 2025

      December 10, 2025

      Editor’s Letter – Volume 1, Issue 2, November 2025

      November 12, 2025
    • Contact Us
    Newsletter
    Longevity & Mortality Investor

    How Time Reveals the Secrets to Longevity

    Mortality September 14, 2022By Chris Eccles
    Longevity
    Share
    Twitter LinkedIn Email

    Many years ago, my 85-year-old mother and 90-year-old father were at dinner with my wife and I. When the meal was over, the time arrived to decide whether to have dessert. Mom looked down at her pudgy self and declared, as she had every night for the previous seven decades, that she needed to begin watching what she was eating in order to lose weight.

    As a professor of public health, you might expect my first reaction would have been to agree with her. Decades ago, yes, but at her age my reaction was the exact opposite. I said Mom, if carrying excess weight was a harmful risk factor for you – you’d be dead already. Go ahead and enjoy dessert, just not in excess. She did just that, with a sense of relief I might add.

    This paradox is an example of a public health phenomenon known as “selective survival”. That is, the passage of time uncovers subgroups of the population with unique attributes that enable them to live long. Selective survival is also the reason why some now suggest that Covid-19 culled the weaker and more frail members of humanity with pre-existing health conditions – leaving behind a more robust population that could yield a post-Covid life expectancy rebound.

    These unusual and often rare survivors are interesting because they’re somehow protected from a relentless and well-established lethal risk factor, such as smoking. The documented longest-lived person in history – Jeanne Calment from France – died in 1997 at the age of 122, and she smoked for more than a century.

    For the same reasons, this is also why many researchers in the field of aging like to study the genetics of centenarians – because time shines a spotlight on them as beacons of hope as researchers scramble to understand what’s different about these people, and whether it’s possible for science and medicine to discover and then find a way to confer their survival advantage on the rest of us.

    Jay Olshansky, Lapetus Solutions

    Consider a hypothetical experiment where we start out with 1 million babies born in a given year, and half of them are required to begin smoking by age 10 while the other half remain non-smokers throughout life. The average duration of life for the smokers would be many years shorter than the non-smokers. However, 100 years after this otherwise fateful experiment, time would reveal a small percentage of the original half million smokers still alive 90 years later, for whom smoking was never a risk factor to begin with.

    This is how selective survival operates. Ironically, this is also how evolution works. Differences in survival (and fertility) reveal population subgroups with different risk factors and survival prospects.

    Some people survive to extreme old age carrying with them a lifetime of behavioral risk factor baggage that tends to kill everyone else at a much earlier age. These folks smoke cigarettes, drink excessively, eat large amounts of fat; etc. Basically, everything your doctor and mother tell you that you shouldn’t be doing. Yet they survive anyway. This is the main reason why a generic approach to survival analysis where people with certain risk factors are all treated exactly the same – using a common mortality multiplier – will often lead to grossly incorrect estimates of survival. The bottom line is that people experiencing exceptional longevity often do not exhibit healthy lifestyles, which tells you there are other reasons why they live so long. Genetics!

    This brings me to a recent scientific discovery: “We may finally know why so many lifelong smokers never get lung cancer”. The secret is in their genes. There is a group of cells in our lungs known as bronchial epithelial cells that accumulate genetic damage every time they divide. These are the cells most likely to transform into cancer cells within the lungs and they’re the primary cells involved in lung cancer. The process of transforming bronchial epithelial cells into cancer cells is determined by the amount of abuse we exact on our lungs during the course of life (either on purpose or by accident), and the level of DNA repair that operates within those cells.

    In a study of exceptionally long-lived lifelong smokers compared with younger people – including both smokers and non-smokers; it was discovered that the long-term smokers that survived to extreme old age experienced genetic mutations that slowed considerably after about 23 years of tobacco abuse. That is, they had exceptionally powerful DNA repair mechanisms that were so effective, they eliminated or dramatically delayed the risk of lung cancer – even in the presence of decades of self-inflicted tobacco abuse.

    It is believed that these highly efficient DNA repair mechanisms are inherited, although some scientists suggest that highly efficient DNA repair can be an acquired trait – but researchers are still working out the details.

    Either way, we now think we know how some people can live so long after decades of inhaling toxic substances that kill the rest of the population at a much younger age. Although we’re nowhere near determining in advance, at younger ages, whether you’re a member of the population subgroup that has superman DNA repair in bronchial epithelial cells, that time might not be far off.

    S. Jay Olshansky, Ph.D. is Chief Scientist at Lapetus Solutions and Wealthspan Financial Partners and Professor of Public Health at the University of Illinois at Chicago


    Any views expressed in this article are those of the author(s) and do not necessarily reflect the views of Life Risk News or its publisher, the European Life Settlement Association

    2022 - September Commentary Longevity Risk Mortality Risk Volume 1 Issue 5 - September 2022
    Share. Twitter LinkedIn Email

    Related Posts

    Lane Clark & Peacock

    2025 Delivers Record Number of Bulk Purchase Annuity Buy-Ins in UK Pension Risk Transfer Market

    March 30, 2026By LMI Newsdesk
    Just Group

    Reebok UK Retirement Benefits Scheme Completes Bulk Purchase Annuity Transaction With M&G

    March 30, 2026By LMI Newsdesk

    Panasonic UK Pension Plan Completes Bulk Purchase Annuity Transaction With M&G

    March 25, 2026By LMI Newsdesk

    Phoenix Medical Supplies Pension Scheme Completes Bulk Purchase Annuity Buy-In With Canada Life

    March 25, 2026By LMI Newsdesk
    Latest Issue

    Update in Delaware Estate Litigation Case Provides Added Clarity to Life Settlement Market

    March 11, 2026

    Longevity Swap Activity Expected to Rise as Run-Ons Look More Attractive

    March 11, 2026

    Regulatory Changes Abound in Offshore US Life/Annuity Sidecar Market but Macro Picture Is the Most Likely Determinant of Further Growth

    March 11, 2026

    Defined Benefit Pension Fund Investment Strategies in Focus Amid Gilts-Linked Pension Risk Transfer Pricing

    February 25, 2026
    Ad

    Where Longevity and Mortality Meet the Markets
    ISSN 2978-5219

    X (Twitter) LinkedIn
    Coverage
    • Life Insurance Capital Solutions
    • Life Insurance
    • Longevity and Mortality Risk Transfer
    • Mortality Risk
    • Secondary Life Markets
    More Info
    • Home
    • About Us
    • Contact Us
    • Guest Articles
    • Submit Story Idea
    Our Newsletter
    Get the latest industry news, commentary and events from the Longevity & Mortality Investor directly into your inbox. Why not sign up today?

    © 2026 Longevity & Mortality Investor. Website by Kavells.
    • Sitemap
    • Privacy Policy
    • Copyright Notice
    • Terms & Conditions

    Type above and press Enter to search. Press Esc to cancel.