Voice Over: Daniel

Start with the 1941 Standard Ordinary Mortality Table since he's not in high risk industrial trade skills... see supplemental brief from 2017 NAIC Valuation manual, appendix A-010.  

Gender: male. 
Rated age: 22 years.  
Race: Caucasian.  
Marital status: unmarried
Residence status: urban, high population density
Profession: artist.  
Smoker: non-tobacco use.  
Alcohol use: 5-7 drinks per week
Recreational drug use: yes.  See chart 2, row 4B.  Thankfully not anything on chart 1.  
Socioeconomic status: 85th percentile.  
BMI: 33.  
ADL: Capable of performing all activities of daily living.
Health history:  20/20 sight with corrective contact lenses. Tonsillectomy. 
Family health history: heart disease  
Health insurance: HMO coverage from university. 

Residual risk is moderate.  

Running the stochastic model shows probable life expectancy of 77-82 years.  That said, I'm missing critical variables, and I can't finish my model without that data...

Magic. Mysticism. The supernatural. The unseen world.  The whole point of actuarial science is to take all of life's variability and distill it down into concrete, objective numbers.  Unnatural influences completely destroy the integrity of my calculations.  There's no statistical risk adjustment for encountering some hellhole of a fairy tale setting!  There's no claims data for the survival rate of witch encounters!  How am I supposed to account for the likelihood of Geoffrey being kidnapped into an invisible realm coexistent with our own?  

If he's hurt, or worse, I won't need my charts and tables and calculations to tell you about the life expectancy for those responsible.  Coverage denied due to unacceptable underwriting hazard.