The age a person from Uxbridge is expected to live, on average, from the age of 65 was calculated as another 21.6 years.
This meant Uxbridge failed to come in the top 50, out of 121 postal code areas analysed in the report.
For a man in Uxbridge, at age 65, the life expectancy was estimated at 20.3 years, compared to 23.17 for a woman.
See the table below.
Research carried out by financial services firm Willis Towers Watson found the residents of Kingston-upon-Thames had the highest life-expectancy after retirement in the UK by postal area.
The findings from the company’s recently updated Postcode Mortality Tool showed that nine out of the top 10 postal areas with the highest life-expectancy in retirement were found in the South East of England, forming what researches called a ‘longevity ring’ around London.
Hemel Hempstead, Guildford, Slough and St Albans made up the rest of the top five, with sixth placed Harrogate in North Yorkshire the only area located outside the South East.
In contrast, the ten postal areas of the country with the lowest life expectancy in retirement are all found in the North of England and Scotland, according to the study of mortality rates amongst people receiving private sector occupational pensions.
Table - Top 55
Pensioners in the Sunderland postal area are expected to die at a younger average age than anywhere else in the country, while Liverpool, Hull, Motherwell and Wigan make up the remainder of the bottom five.
Stephen Caine, senior mortality consultant at Willis Towers Watson said: “There are distinct differences in life expectancy in different areas of the country but in reality it is not the geography itself that is important, it’s the economic and lifestyle factors that are indicative of residents in different areas of the country.
“What this research highlights is that pensioners living in the outer ring surrounding London are the most likely to have had well-paid jobs and to have enjoyed a relatively comfortable and healthy working life which, alongside other factors, are strongly linked to longer lifespans.”
In Kingston-upon-Thames, a man aged 65, retiring with a pension size and background typical to the area could expect to live to just under 89 years on average, and a woman to just over 90 years. In Sunderland the figure is 85.5 years for men – over three years less than in Kingston – and just over 89 years for women.
Mr Caine said: “Postcodes, when used in tandem with other factors, are a powerful predictor of life expectancy and are used by many areas of the financial services industry.
“For example insurers take postcode into account when people go to buy a pension annuity at retirement.
“Similarly for employers that support a defined benefit pension scheme, our postcode mortality analysis helps those running the scheme understand the life expectancy of their own membership in order to better judge how much money needs to be put aside now to pay pensions in future.”
How the analysts worked out the table - what the company said:
Willis Towers Watson studied the recent mortality experience of over 200 defined benefit pension schemes which have nearly 8 million retired members and 800,000 deaths between them covering nearly all of the UK. It examined the incidence of death across the UK from the data in conjunction with other predictive characteristics influencing longevity, for example size of pension and prevalence of smoking. The result of the analysis is a predictive model that can illustrate the variation in life expectancy from one area to the next based on an individual’s characteristics rather than just their postcode alone.
In order to compare the life expectancy of different postal areas, an average life expectancy was determined for each of 121 postal areas using average characteristics for an individual in each postal area (incorporating an assumption for how mortality rates will change in future, equivalent for each postal area), done separately for males and females. Willis Towers Watson then ranked these postal areas using the average of male and female life expectancy.