A bearing's service life is easily predicted as it is based on statistical data. In fact, it is mainly based on the probability of encountering conditions that will lead to cracking: high stress loading combined with material heterogeneity.
Car wheel bearings are designed such that 90 % of them will easily achieve 500,000 kilometres. Thus, it may be predicted that 999 out of 1,000 will achieve 100,000 kilometres.
Premature bearing damage
Other causes, usually abnormal, may cause premature damage of a bearing and impact bearing service life, notably:
https://www.aulro.com/afvb/ In 70 % of cases, incorrect lubrication: too much or too little; wrong lubricant, etc... https://www.aulro.com/afvb/ In 18 % of cases, pollution: penetration of liquid or solid particles, hence the importance of seals as seal defects can give rise to leakage of lubricant and penetration of pollution. https://www.aulro.com/afvb/ In 10 % of cases, incorrect assembly; careless assembly, excessive heating, incorrect adjustment of gap clearance, excessive tightening of the taper sleeve, geometric defects, etc... https://www.aulro.com/afvb/ And in 2 % of cases, diverse reasons: use under unsuitable loads, incorrect adjustment, contact corrosion, passage of an electrical current, etc?
Bearings are designed and selected to have a specific service life under application operation conditions.