That "40% increase" is an increase in a very small number. Life insurance for young adults is very inexpensive, because so few of them die (especially, I suppose, those mature enough to buy life insurance). For an insurance company, a 40% increase in pay-outs means that they need to raise premiums 40% to break even, which would be a shock to their customers. But for most of us... well, how many young adult deaths are you personally aware of? A low rate, multiplied over a large population, will come up with a big, scary number, but consider the recent figure of "about 1 million excess deaths (of all ages)". In a population of 350 million, that's one person in 350. One death is a tragedy, of course, but a million is just a statistic.

Lathechuck