Insurance was Re: We're stuck with each other

From: Chris Hibbert (
Date: Wed Jan 23 2002 - 00:32:35 MST

Eugene Leitl wrote:
> For young people in a low risk lifestyle living not in coverage area of
> Alcor signing up only makes sense as a future infrastucture investment.
> Assuming, you want to invest in Alcor, as is.

The other possibility that seems quite defensible is to get the life insurance
contract now, and sign up when the technology looks believable to you. The
younger you are, the cheaper the life insurance is, and the sooner you start
paying in, the sooner you have an asset to pay off your contract with.

Of course, once you have a life insurance contract you might as well sign up
with Alcor (or your choice of alternatives). The insurance contract is the
big part of the price, and once you're paying toward that, it'll seem like it
would be a shame to die and not take advantage of whatever chances you have
with current technology.

If you wait, you'll have to pay much closer to the full $X00,000.

animated silicon love doll wrote:
> are there any insurance companies that offer specific plans for cryonics? or
> would i just have to say "i want the money when i die to go to freezing
> me."

Every insurance company will sell you an appropriate policy. It's called
"Whole Life". It means you own an asset once you've paid in. I think the
main alternative in the insurance biz is called "Term Life". In that case,
you are only promised a benefit if you die during the term of the contract.
If you outlive the contract, all your money is gone.

There seems to be a claim that some insurance companies have contested
payments to cryonics organizations in the past because the organization has an
interest in your death or some such. Apparently because of that, many Alcor
members seem to swear by one particular insurance company, which has
consistently paid off claims by Alcor. I don't remember their name. I have
my insurance with USAA Life. USAA always comes out in the top three of all US
insurance companies in every survey I've ever seen.


C. J. Cherryh, "Invader", on why we visit very old buildings:
      "A sense of age, of profound truths.  Respect for something hands
      made, that's stood through storms and wars and time.  It 
      persuades us that things we do may last and matter."
Chris Hibbert

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