I am no expert but I have owned boats for years and do all of my own work. Your question is loaded. Do you boat in sandy or muddy areas and beach a lot, have you hit anything or wrapped mono or worse braid around you prop shaft? If these are the case then you need to keep a closer eye on it. Drain the lower unit oil look at it; you will know immediately, if it looks like a milk shake you have a problem. If it does have it pressure tested, 99.99% probability it has a leak.
If you are asking relative to normal use then my comment is to pay close attention to the quality of the oil that is coming out of your lower unit each year. And watch for signs in the water of an oil leak, i.e. a small slick when there should not be one around your lower unit assembly. Any sign of a milky color to your oil says you have a leak, period. Have the unit tested and the seals replaced it is shot money compared to a new lower unit. In 20+ years of boating, mostly in salt water, I have had to replace two sets of lower unit seals. One was out of stupidity; the other was due to lower unit deceleration trauma. Come to think of it both were out of stupidity.