I disagree with your analysis, but the details of why I disagree would be spoilers.
more details:
no, he's not deliberately selecting low-risk clients. He's trying to make as many sales as possible.
and he's had lots of clients. I don't know the actual numbers, but he has won awards for how many policies he has sold.
and he seems to honestly believe that there's something special about him that makes his clients not die. he's "one of those people".
and here's the first actuarial life table I found through a quick google search: http://www.ssa.gov/OACT/STATS/table4c6.html
I'm going to go ahead and post the spoiler, rot13'd
Zl thrff: Ur'f ylvat. Naq ur'f cebonoyl ylvat gb uvzfrys nf jryy, va beqre sbe gur yvr gb or zber pbaivapvat. Gung vf, qryvorengryl sbetrggvat nobhg gur pyvragf jub unir qvrq.
Vs ur unf unq a pyvragf, naq vs gurve nirentr ntr vf 30... Rnpu lrne, gur cebonovyvgl bs rnpu bs gurz fheivivat gur arkg lrne vf, jryy, yrg'f ebhaq hc gb 99%. Gung zrnaf gung gur cebonovyvgl bs nyy bs gurz fheivivat vf 0.99^a. Rira vs ur unf bayl unq 100 pyvragf, gura gur cebonovyvgl bs gurz nyy fheivivat bar lrne vf 0.99^100=0....
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