I'm not sure this is a good way to model mortality. Low life expectancies in real life usually reflect risks during childhood. In developing countries, if you make it into adulthood then - AIDS aside - you are very likely to make it to 60. Medieval Europe probably had higher mortality but still I am very leery about avatars dying of natural causes before 50.
Personally, I don't have a problem with the vanilla model of avatars reaching 60 and then croaking. In real life, once you get to 60, your days charging around the battlefield are surely coming to an end. Players are reluctant to retire in that way. So the game forces them to.
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