X-Message-Number: 16530
From: 
Date: Wed, 13 Jun 2001 21:52:00 EDT
Subject: Life Insurance Rates

In a message dated 06/12/2001 5:01:26 AM Eastern Daylight Time, 
 writes:

Tim Freeman makes a decent point in the below posting, which can be expanded 
a bit after this copy....
<< 
 Message #16518
 From: "Tim Freeman" <>
 Date: Mon, 11 Jun 2001 21:16:50 -0700
 Subject: Shopping for life insurance
 
 A data point: in one instance, buying life insurance from a
 randomly-chosen company cost about twice as much as the price you get
 from using the competitive shopping features you find on web sites.
 
 Life insurance is cheap if you're young, but you have to shop.
 
 -- 
 Tim Freeman       
 ; formerly 


  >>
Life insurance rates do indeed vary a great deal, depending on a number of 
variables, most particularly age and tobacco usage.

Health factors obviously also affect rates, as does lifestyle and hazardous 
occupations.

It is worth noting that I use an INTERNET BASED SPREADSHEET SYSTEM to find 
some of the most competitive rates on the planet for life insurance for my 
dear cryonics friends and clients.

Additionally, the carriers I use are rated A+ with A. M. Best, and highly 
rated with other independent rating services such as Standard and Poors, and 
Dunn and Bradstreet, etc.

ALSO CRITICAL to long term security and hassle elimination is to use only 
life insurance companies THAT HAVE PUT IN WRITING ON COMPANY LETTERHEAD THAT 
THEY HAVE NO PROBLEM WITH CRYONICS ORGANIZATIONS AS BENEFICIARIES.  

(There are actually only a relatively few companies that have or will do 
this.  I know this, because I have spent a significant amount of time and 
money over the last 7 years attempting to develop cryonics friendly life 
insurance companies.)  

You may be interested in noting that such "name brand" companies as CNA, John 
Hancock, Kemper, and Banner life have specifically REFUSED to write cryonics 
policies.  If you have one of these carriers, you may be interested in 
shopping around.

In contrast, there is about 6 companies I work with that HAVE put in writing 
that they will cover and have no problem with life insurance for cryonic 
suspension.

And the cool thing is...the premium rates are often better on these 
companies!  A double plus!

I am going to the EXTRO conference this Friday.  I cannot wait to meet many 
of you that I have written life insurance on for the first time!

Extro will be cool...hope to see many of you there.

Warmly,

Rudi Hoffman CFP
Cryonics Life Insurance Specialist, 
Extropian,
Alcor member, 
and ideologically in line with forward thinking cryonicists.

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