You may live into your 90’s, even to 100. No way to plan for those sorts of things. MIL thought she was going to kick the bucket at 72; lived to going on 89. So - buck up.
LOL. If I live to be ninety, then that will exceed all the women and men in my family for the last 5 generations. LOL. Only one exception, Great Uncle John lived to age Ninety.