I noticed a lot of the time my sims don't die before they're old. I know I can increase their death chance by day but I don't want everyone dying early because they accumulate death points but I do want some sims to drop off younger (child, teen, ya, adult).

Things like drowning, electrocution, meteor...etc etc. Can I make things more deadly or is there another approach?

"Death chance by day," you mean in SP? As far as I know, the only deaths SP ever pushes other than old age are the ones related to Personality scenarios (so vampires getting slain, etc.)

Hmm I am pretty sure that's off for my active household which has next to no deaths. I've had one household death early in my sims playing career, it was a shock drowning. I almost had an electrocution but my game crashed and I called a repairman instead ha ha ha.