Since it's reverse life insurance, I had this shower thought that the incentives should be the opposite. Like, for life insurance, you get discounts for factors

Since it's reverse life insurance, I had this shower thought that the incentives should be the opposite. Like, for life insurance, you get discounts for factors that make you a low risk of dying. So for annuities, shouldn't you get bonuses for factors that make you a higher risk for dying? "Yeah, I just want this annuity to ensure my financial future while I ride out my retirement as a skydiver..."