[darkxanthos]

In this case, living for "expected value" only makes sense if you live enough times to exploit the central limit theorem. If you review actuarial tables, you can see that at 35 (and male) you have 0.93% chance of not living to see your 40s. That is small... but it isn't vanishingly small. (source: https://www.ssa.gov/oact/STATS/table4c6.html)

[airy1]

as far as i know people in this stage of life die mostly due to an accident (car crash, etc) than from a critical disease. If one doesn't have any permanent condition, he won't be charged extra for life insurance.