[DangitBobby]

I see this as an extension of the idea that we should not be the sole bearer of the consequences of burdens that are not our fault. Where is the fairness in my having both a shortened lifespan and the financial devastation of a chronic, terminal illness? There is none.

(This was meant as a reply to a sibling comment but the "reply" button is absent).

[BurningFrog]

If your genetics predispose you for a shorter life, you can benefit financially by not having to save for retirement.

[DangitBobby]

Genetic predisposition is not a sure thing, so I think most people would still save for retirement, genetics aside. I'm somewhat convinced that I will die young of health complications or social strife in the wake of global warming, but I am still saving for retirement. In any case, I think it is unreasonable to claim that it evens out somehow. It's unfortunate that most people don't learn how strong an advantage it is to be in good health until they aren't anymore.

[BurningFrog]

I was more thinking that you could buy a cheaper pension plan if you're expected to die at 70 rather than 85, on average.

The pension company can handle the uncertainty, since it averages out.