The highest correlation of a visit from the Grim Reaper is actually based on the level of household income. There is a very strong correlation between premature death and a persons income. The Grim Reaper visits those folks more often at the bottom end of the income distribution curve. If you do not want a visit from the Grim Reaper, from an actuaries point of view, the answer is 'don't be poor' or 'don't live in an area, where there are poor people', because the Grim Reaper knows your income and he knows where you live - a bit like the IRS. The greater the inequality in incomes the greater the difference in the life expectancy rates between the rich and the poor.

This is even true in countries where, free at the point of use, universal health care systems are available, although they do go some way in masking the link between premature death rates and low incomes.

It could be even said that countries which have less income inequality actually spend less on healthcare as a proportion of GDP simply because the Grim Reaper has less opportunity to go visiting at the bottom end of the income distribution because the bottom end isn't actually there.