Life insurance is a big business. Filled with brilliant mathematical brains (actuaries) that spend their entire careers analyzing death risk. Their job is to attribute a risk score to any individual purchasing life insurance, and ensure that the insurance company “covers the spread” before they have to pay-out on that policy in case of a death. It is designed to make the insurance company money, not to lose money. This is literally a science, actuarial science to be exact. They can track data and numbers with precise accuracy year in and year out. They are usually on the money with their predictions.