Opportunity costs are highest when you are young, on top of the serious risk JoshuaZ that you will, ex post*, not want to engage in cryonics and hence your capital will be inefficiently locked up in life insurance.
* Lots of possible reasons to change one’s mind. Perhaps research will prove, over the coming decades, that cryonics destroys necessary information. Or perhaps there will be a massive loss of patients, leading to a corresponding spike in the storage part of the cryonics Drake equation. Perhaps there will just be a general hope function-style decay of prospects for cryonics as the decades drag on with no improvement or progress.
Another issue might be that rates are too high now: interest rates have been at rock bottom for years now, so what’s the implicit interest rate in life insurance rates? Rock bottom such that when normality returns you forfeit even more returns?
Opportunity costs are highest when you are young, on top of the serious risk JoshuaZ that you will, ex post*, not want to engage in cryonics and hence your capital will be inefficiently locked up in life insurance.
* Lots of possible reasons to change one’s mind. Perhaps research will prove, over the coming decades, that cryonics destroys necessary information. Or perhaps there will be a massive loss of patients, leading to a corresponding spike in the storage part of the cryonics Drake equation. Perhaps there will just be a general hope function-style decay of prospects for cryonics as the decades drag on with no improvement or progress.
Another issue might be that rates are too high now: interest rates have been at rock bottom for years now, so what’s the implicit interest rate in life insurance rates? Rock bottom such that when normality returns you forfeit even more returns?