Back in the day (1950’-70s) Insurance companies felt the grand old age of 60 was the norm and it was for some 85%, give or take, of our population...now we’r seeing lots of 100+ year olds still here...
Retire at 55 and drop dead on the golf course at 60, a Chesterfield clenched between your lips.
Now its retire at 65 and since you quit smoking years ago and started eating well, you can golf for the next 25 years.
This gets expensive.