X-Message-Number: 6054
Date: Wed, 10 Apr 1996 14:05:47 -0400
From:  (Dan Howe)
Subject: Cryonics Pricing

> From:  (Brad Templeton)
> 
> In the case of a cryonics org, it of course expects to be paid a good sum
> for suspension, and to save away some of this to pay for long-term suspension
> and eventual revival.  


What I find distressing about the funding of Suspension costs is the flat rate 
for
a yearly "response" fee.  I am currently paying US$360/yr to my suspension 
organization in preparation for my eventual deanimation.


Statistically, I expect to have another 50 years until my suspension will become
necessary.  This makes my net costs for neuro to be 50k + 50yrs*360 = 58,600.

If I were terminal, and had -statistically- 1 more year until deanamination my 
costs
for neuro would be 50k + 1yrs*360=50,360. 


Now, the expenses related to my suspesion would be the (expense/yr)*49yrs LESS 
than

the patient with 1 yr to go since I wouldn't have entered into suspension for 
another

49 years (not only will I not be an expense, I'll be an INCOME for an added 49 
years).

  Why is that the payment plan is structured such that I am paying MORE for a 
  service
while eventually costing my suspension organization less?


This type of payment structure encourages people to hold off suspension until 
they
actually need it.  That's a dangerous thing for people to do since it usually 
results in their burial.

Has any of the cryonics organization considered pricing plans similar to the
insurance industry where your costs go up as your risk does?

Dan Howe 


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