I'm 75 years old, male, declining after being somewhat chronically ill for a long time, and I am still active socially and attending some organization meetings, exercising 10 hours/week, etc. AFAIK none of my male direct ancestors ever lived beyond 73. I have friends my age and considerably older, some of each sex, who are still climbing mountains and riding bicycles. When I was a kid, life expectancy was just flirting with 70, and the life insurance business was still implementing the change from the 1840's mortality table to the one that came out in 1941 -- that's how slowly things used to improve. About the time Medicare started, it looked like mortality improvement was slowing down, but that turned around for a few decades, allowing a much more significant gap between life expectancy and normal retirement age. Sorry, but YMMV.