cockney steve
Your comment reminds me of my statistics teacher 45 years ago who said "most people have more than the average number of legs". It's true, so what?
Your "people age 65 are no more likely to die than those over 45" is unquestionable, since we all have a 100% probablility of dying. The question is when?
If you deny that a 65 y-o has more chance of dying tomorrow than a 45 y-o, then you're really in denial.