I've got a friend who has a cat that they have had for 21 years. They don't know how old it was when they got it, but it was full grown.
And I know several people who have cats of 15-17+ years and are still quite healthy.
Indoor cats obviously live longer than outdoor cats.
My last cat who lived to be 20 had all her siblings (outdoor cats) die all under age 7.
A word about chips. I wouldn't have a pet without one. If for no other reason than the humane society should not euthenize an animal without checking first.
But even with a chip, it helps either to not move too often, or to make sure the chip registry data is promptly updated.