Originally Posted by
LanghamP
There's also mortality tables/actuaries that attempt to predict a person's demise by extrapolating how you will probably die by how people like you died in the past.
Pick up a life insurance questionaire; the questions are quite interesting. Bicycling presumably lowers your risk of heart disease while increasing the chances of a collision. That's why you always see life insurance companies offer differing payouts with the accidental death separated from illness death.
You'll also see weird questions like, "how often do you go to the dentist to get your teeth cleaned?" Surprisingly, just doing that adds 2-5 years to your life, because not having clean teeth results in a low-level whole body infection that damages your cardiovascular system.
So actuaries ought to know that the risk of mortality would be higher for a motorist than a cyclist simply because there are so much more motorists on the road killing each other. Annually the US sees 36,000 road fatalities. 2016 was a high at 37,000. 6000 were pedestrians and 840 were cyclists. The rest (81%) being motorists and their passengers including motorcycles.
I wouldn't be surprised if some of those motorist and passenger deaths were due to the driver suffering a heart attack behind the wheel.