Cryogenic life insurance
You cannot buy more time inside the life you're in. You can buy the option on another one — a policy that pays the instant the first life ends, and a trust that keeps compounding until you open your eyes.
MOST PEOPLE HOLD IT FOR UNDER $4 A DAY · 60 SECONDS TO YOUR NUMBER · NO CONTACT DETAILS
Why you can't just save for it
Every dot is one simulated life, drawn from the SSA 2023 mortality table. Same starting age, same health, same habits. Watch where they land.
Half land more than fifteen years either side of the median. Saving means holding the entire amount liquid from today, forever, against a small annual chance of needing it. Insurance is the only instrument built for that shape: everyone buys in, and the money moves to whoever's date comes up first.
How you buy the time
Insurance converts an unschedulable liability into a level monthly payment. That is the whole mechanism, and it's the only part of this that isn't speculative.
A level premium underwritten at today's age and health. Lock it young and it never reprices — you are buying at the cheapest your body will ever be.
Ownership and beneficiary go to your provider, with a buy-back agreement so nothing changes without your written consent. Carrier must be rated A− or better.
Standby, stabilization, transport, cryoprotectant perfusion, cooldown and the long-term care endowment — paid at the exact moment they're needed.
Everything above the preservation bill goes into a revival trust and stays invested for the entire time you're under. You don't arrive empty-handed.
The head start
A second life in a century you've never seen, with no job, no network and no money, is not a gift. The surplus is the part of this product that's actually about living rather than surviving — and it's the part nobody else structures for you.
Coverage above the preservation bill doesn't sit idle. It's held in a personal trust with a named trustee, an investment policy statement, a remainder beneficiary and a defined revival trigger. It compounds for as long as you're in storage — which, unlike everything else in your financial life, has no fixed horizon.
That inversion is the whole point. Every other asset you own is racing your lifespan. This one is the only asset that gets better the longer it takes.
Published prices, checked August 2026
Cryosurance does not perform preservation. We structure the funding and hold the trust. You pick the provider.
| Provider | Whole body | Brain / neuro | Annual dues | Where |
|---|---|---|---|---|
| Alcor | $220,000 | $100,000 | age × $15 | Scottsdale, AZ |
| Tomorrow Bio | €200,000 | €75,000 | €660 | Rafz, Switzerland |
| Cryonics Institute | $28,000 | — | $120 | Clinton Twp, MI |
Alcor's figures include the surcharge that waives the annual standby fee; bare minimums are $200,000 and $80,000, and age-based dues are fixed at the age you join. Cryonics Institute's price covers preservation and long-term care only — standby, stabilization and transport are contracted separately and typically add $60,000 or more. Tomorrow Bio's prices are the member rate; non-members pay €230,000 and €115,000.
The Preservation Trust
Most people assume cryonics funding means writing a very large cheque to a lab and hoping. It doesn't. The death benefit is split the moment it lands — the provider is paid what the provider is owed, and every dollar above that goes into an irrevocable trust that exists for one purpose: to be waiting for you.
A level monthly payment, underwritten once at today's age and health. It never re-rates.
An A-rated carrier releases the full death benefit within days. Regulated, reserved against, and entirely routine.
Standby, stabilization, transport, perfusion, cooldown, long-term care endowment.
Everything above the bill. Titled to your trust, not to the provider and not to us.
An independent trustee invests the corpus under a written policy statement for the entire time you are under. No withdrawals, no fees to us, no clock.
On revival and identity verification, the trust distributes to you. You wake up funded, in a century you'd otherwise arrive in with nothing.
The corpus is yours. It is not a donation to a foundation, not working capital for a laboratory, and not an asset on our balance sheet. The trust document names one person as the intended distributee, and that person is you.
An independent corporate trustee holds and invests the corpus under a written investment policy statement. It sits outside Cryosurance, outside your provider, and outside the reach of either one's creditors.
The policy is assigned with a buy-back agreement, so nothing about it changes without your written consent. Change providers, change trustees, change your remainder beneficiary — the coverage travels with you and the premium never moves.
You name a remainder beneficiary at signing — heirs, a foundation, or your provider's patient care fund — with a defined triggering condition. Whatever happens, the money has somewhere to go and someone accountable for sending it.
A guarantee of revival. No one has been revived yet, and any company that promises otherwise is selling something we're not. What we do guarantee is the part that's actually in our control and written into a contract: the funding arrives on time, the procedure is paid for in full, and the remainder is held in a structure with your name on it for as long as it takes. If the science arrives, the money is already there. That is the whole product, and it is more than anyone else in this category will put in writing.
Questions
Because the due date is random. Self-funding means holding the full amount liquid from the day you decide, forever. If you already do and always will, prepayment is genuinely cheaper — most people don't and won't.
Yes, by roughly 5–10×, and that's the trap. Term covers a window; death almost never lands in it. A healthy 30-year-old has better than a 90% chance of outliving a 30-year term, at which point the premiums are gone and renewal is priced at 60-year-old mortality — or refused. Term is a bridge, not a funding plan.
Your rate class worsens, and past a point coverage is declined entirely. That's the reason to price this at the age you are rather than the age you'll be when it feels urgent. Underwriting is the clock, not the calendar.
The trust names a remainder beneficiary — heirs, a foundation, or the provider's patient care fund — with a triggering condition, usually a finding that revival is no longer being pursued. You choose it at signing. It's the most important paragraph in the document.
Yes. The policy is the asset and it's portable. Reassignment means re-executing the beneficiary designation and buy-back agreement. Your premium doesn't change — it was set by your age and health at underwriting, not by who receives the payout.
No, and we won't pretend otherwise. No human has been revived from cryopreservation and there is no scientific consensus on when or whether that changes. What is guaranteed is the financial structure: an A-rated carrier pays, the provider is funded in full, and the remainder sits in an irrevocable trust with you as the intended distributee. You are buying a fully-funded option, priced honestly, on an outcome nobody can promise.
It fits published 2026 carrier quotes for guaranteed universal life to within about 5%, using real mortality rather than a rate card. It can't see your labs, family history, driving record or state. Right order of magnitude, right shape of decision. A binding quote requires an application.
Every year you wait re-prices the policy against a year more mortality. Nothing about this decision improves with time.
Non-smoker, clean labs, no flagged family history. Most land at Standard.
Permanent is guaranteed to age 121. Term is cheaper and can expire.
Held in trust, invested while you're under, released to you on revival.
Default zero: Alcor's minimum hasn't moved since 2011.
For the Tomorrow Bio options. Ignored for USD providers.
We assume that by the time you wake, humanity has reached abundance — that most of what you'd need costs close to nothing.
This is the safeguard if that assumption is wrong. The corpus is weighted toward the one thing abundance cannot manufacture: land on Earth. Finite by definition, and in our view the asset most likely to hold value furthest into the future.
Target allocation, not a guarantee. No return is assured.
SSA 2023 period life table with insured-lives selection, calibrated to published 2026 guaranteed universal life quotes (≈5% RMSE). Not a binding quote.
