Keep in mind that the life expectancy for a 70 year old is often a bigger number than the average life expectancy.

For example in the US a male has a life expectancy of 76.22 (https://www.ssa.gov/oact/STATS/table4c6.html), but a 70 year old male has a life expectancy of 84.59 years.

But that doesn't take away from your main point about people wanting to avoid that situation.