Is it? The difference is in 2-4 year range for most of the chart. Is 2-4 years of life expectancy drastic? I didn't read it as such, but I'm not really sure how to assess how big that difference is, honestly...
2-4y of life expectancy is typically an even greater discrepancy is morbidity. So if you die 3y earlier and are 'morbid'/ have life affecting illness for another 2y - you've basically halved the average enjoyable period of retirement for most people. I'd say that's quite drastic.
