There are certain strategic times in life where you'd want to take this, though. Ideally after the kids are grown up and don't need you anymore (so you either drop dead painlessly & predictably, or get a nice long life in great health so you can see the grandchildren grow up), or if that's cheating, in childhood or right after college so you haven't invested much into your life yet. Same reason they sell life insurance.
Not taking the pill already of course risks dying in your sleep.
I've invented a teleporter that will reduce your commute to 1 second every day. The only glitch is that your molecular makeup may be incompatible with my device, and there's no way to tell for sure. If it is, you'll disintegrate instantly the first time you try to use it.
Don't worry, only 1% of the population is incompatible. From a probability standpoint, you should expect to gain more than 1% of your life in extra time. Care to give her a whirl?
Because your proposal is very different for two reasons. One risk vs reward. In the robo-car example the pay off is 20-80x of lost life to gained time. You get a lot of time for very little risk. But your example is 1.03x.
The second is the distribution of risk over the years. With the driving I take a little risk to gain a little time each day for 30 years. In your example I take all of the risk up front and then have small a pay out over the next 30 odd years.
Your expected gain would be nearly 5 additional years of life! Should I sign you up?