Rolling contact bearing life is calculated using stresses calculated at the surface and in the volume. Surface stresses account for profile and misalignment as well as asperity deformations. Sub-surface stresses are calculated beneath the asperities (for defining the life of the surface) and deeper in the volume for calculating the life of the volume. The stress-life criterion adopted is the Dang Van one in which the local stabilized shear stress is compared to the material endurance limit defined as a function of the hydrostatic pressure (itself a function of the contact pressure) but also residual stresses and hoop stresses (due to fit). A stress-life exponent c, of the order of 4 (instead of 34/3 in the standard Lundberg and Palmgren model) is used for respecting a local load-life exponent of 10/3 at typical load levels. Life of any circumferential slices of the inner, outer, and roller is defined for obtaining the final bearing life. Trends showing how the bearing life varies as a function of the applied bearing load and Λ ratio (film thickness/RMS roughness height) are given.