It starts at birth. If you are alive, you are at risk. Now, death per se is not a risk - it is a certainty. But, when it happens is where the risk comes in. Since survival is our deepest instinct, we live with a dynamic tension. I think that is no accident. And death can be physical, emotional or social.
There are all kinds of risks, for any time there is something to lose, there is risk. Now, the Eastern solution to this is to simply have nothing to lose. The Western ideal is to give it all to The Lord so that again, as individuals, we have nothing to lose. The purpose of life in both cases is to realize that ultimately there is nothing to lose.
Part of me prefers the approach of Han Solo heading into a field of asteroids virtually impossible to navigate. When C3PO tells him just how unlikely it is to make it to the other side, Solo says, "Never tell me the odds." I like the idea of embracing creaturehood even though it seems hopeless, diving in even with everything to lose, checking the odds after the accomplishment. In fact, to me that seems to be the point, for I think that to be creatures is the point of life, not an evil to be escaped.
As my father once told me, "Live! Experience for as long as you can, for there is plenty of time to be dead." And, before you get carried away thinking him a heathen, he believed in life after death and absolutely loved Christ. He just refused to have the church package heaven for him and he sought understanding always on his own terms. He wasn't interested in the odds, he was interested in the challenge, in the experience, in the truth as he discerned it wherever it led him.
That's pretty risky. And very rewarding.