Life expectancy = 16     With 16 more years of life expectancy and a monthly income of P7,800.00, as evidenced by the pay slips duly presented before the RTC, Melquiades earning capacity is computed as follows:   Net Earning Capacity = life expectancy x (gross annual income - reasonable and necessary living expenses). = 16 x ( P93,600.00 P 46,800.00) = 16 x ( P 46,800.00 ) Net Earning Capacity = P 748,800.00     The argument raised by Candano Shipping that the formula for determining the life expectancy under Villa Rey cannot be automatically applied without proof of the basis for the expected length of life of a Filipino does not merit our consideration. The formula for life expectancy has been repeatedly adopted in our jurisprudence in fixing the amount of indemnity for the death of a party. This was adopted from the American Expectancy Table of Mortality or the Actuarial of Combined Experience Table of Mortality which was used by insurers in determining the capital sum to be charged for annuity.[36]   Admittedly, in several cases, this Court reduced the life expectancy multiplier considering the medical history such as when the deceased previously underwent a major surgery[37] or when it was shown that he was treated for chest pains, backache or occasional feeling of tiredness[38] and the fact that the deceased has been consistently engaged in a dangerous and risky activity tending to shorten his life.[39] Failing to prove, however, that any of these circumstances is attendant in the case at bar, Candano Shipping cannot validly assert that the standard life expectancy factor laid down in Villa Rey cannot be applied in this case.   Accordingly, Florentina is entitled to recover the amount of P748,800.00 as actual damages for the death of her husband. The awards of moral and exemplary