X-Message-Number: 2968
Date: Sun, 7 Aug 1994 22:49:20 -0700 (PDT)
From: Marty Nemko <>
Subject: CRYONICS Cryonics Fees and Insurance Rates

It would seem that, to be fair, cryonics association annual fees, like
insurance premiums, should be different for a 40 yearold in good health
than for an 85-year old with terminal cancer, yet the annual fee charged
by cryonics organizations is the same.  Mike Darwin says that this is
because only insurance companies can charge variable rates.  If movie
theaters and restaurants can charge different amounts based on age, why
not cryonics organizations? 

Mike raised a related point.  If cryonics organizations WERE to become an
insurance company (e.g., if all the organizations banded together so they
could come up with the necessary money to do so), cryonics organizations
could provide the insurance for all its members, thereby eliminating the
huge profits insurance companies make on the life insurance policies that
most members must buy to pay for their suspensions and long-term care. 

Any reactions to these ideas?

Marty Nemko
voice: 510-655-2777

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