:)
They're not really equivalent, unless you've got a high-risk condition like asthma.
Statistically speaking, a 100% chance of losing one year of lifespan (out of the 76 years an American can expect) is a greater mortality risk than a 1% chance of instant, immediate death.
In fact, if you're aged 26, a 1% chance instant death has half the mortality risk - and the older you get, the better it looks.
However, if you look at humans' revealed preferences, people would much rather lose one year of lifespan than take a 1% chance of losing their entire remaining lifespan.
Mortality risk isn't a very good predictor of human preferences, it turns out.
Statistically speaking, a small chance of losing everything today is actually worse than a guaranteed chance of losing a smaller amount later.