Let me zag on you. I went to a funeral during the week for a colleague who dropped in his mid 40s.

You can plan all you want but will never change the plans that life has for you.

Run your own race. If someone wants to watch MAFS, sitting in their spa while scrolling instagram all day and it makes them content, maybe that’s their ‘Flight of the Valkyries’?

Sure, but this is a personal finance sub.

You can also look at probabilities of an event occurring:

https://www.aihw.gov.au/reports/life-expectancy-death/deaths-in-australia/contents/age-at-death

The chances of dying before you are 70 in Australia are pretty low - you are approximately twice as likely to make it to 70 than not. If you have, or plan to have, dependents then having some security for them in any event is the prudent thing to do.