I am not so sure that we are
this most recent discussion is a very valid consideration for staying "closer to home" as one ages (and we all do the latter if only because the alternative is clear).

The basic information about the approach taken by life insurance companies must be in here already surely? I feel sure that I have seen it discussed in here previously ("elf and safety" on the road for instance), somewhere between the "expert" information and those who don't understand the difference between life insurance and insurance of vehicles.
I agree that Moggys' post is a worthy read because he has some inside knowledge of the business that is current, but it is hardly a new revelation.

As for the OP, he is expressing a view about why he travels in a certain area while asking a question - personally I see little enough of this type of discussion; so often a report turns on how many s were consumed or how many countries could be "ticked off the list" in the shortest possible time.
Or, heaven forbid, "I am saving the planet by riding around the world and it would be really great if you pay me to do it".
As the OP said: why? (and please don't come back with that old chestnut "because it's there" and similar tedium).
Nor, just for clarity do I have any problem with folks who are doing such things for such stated reasons - but please don't think that it is of widespread interest or that your blog should be in the best seller list of e-publishing.

I'll get my coat now! Happy new 2015 by the way.

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Dave