2-4y of life expectancy is typically an even greater discrepancy is morbidity. So if you die 3y earlier and are 'morbid'/ have life affecting illness for anothe

2-4y of life expectancy is typically an even greater discrepancy is morbidity. So if you die 3y earlier and are 'morbid'/ have life affecting illness for another 2y - you've basically halved the average enjoyable period of retirement for most people. I'd say that's quite drastic.