A more thorough explanation:

Actuarial tables are statistical tools used to predict the life expectancy of a person based on their age, gender, and other factors. They are also known as life expectancy tables, mortality tables, or life tables.

For example, an actuarial table may show that the life expectancy for women at age 75 is 9.9 years, and at age 76 it is 9.5 years. These tables are used by companies, scientists, courts, and government agencies for various purposes.

Insurance companies use actuarial tables to determine the premiums they charge for life insurance policies. They use the tables to estimate the likelihood of a person dying at a certain age, which helps them calculate the risk and set the price of the policy.

Courts may use actuarial tables to determine the life expectancy of a person in cases involving personal injury or medical malpractice. The tables can help establish the amount of compensation a person is entitled to based on their life expectancy.

Government agencies also use actuarial tables for various purposes. For example, the Internal Revenue Service (IRS) uses them to regulate 401k distributions.

Overall, actuarial tables are important tools that help us understand and predict life expectancy based on various factors. They are used in many different fields and have a wide range of applications.