I can't tell if you are serious or joking. If you are a 38 year old man, I apologize for the concern.

I wanted a life expectancy that was evenly divisible by ten. A 42 year old woman and a 38 year old man both have a life expectancy of 40 years based on the actuarial table I found. I played the odds and chose a 38 year old man for the example.