X-Message-Number: 26777
From: 
Date: Sun, 7 Aug 2005 13:18:16 EDT
Subject: Life insurance and suicide, Surprising facts

In a message dated 8/7/2005 5:00:40 A.M. Eastern Daylight Time,  
 writes:

And, of  course, the most difficult problem is facing an autopsy.  There
must  be a way around the autopsy.  Also, the life insurance would not
pay  out.  So separate funding would have to be  arranged.

(Rudi Hoffman writing now)




Jordan Sparks wrote the above, along with other details on "volunatary  
deanimation" for optimizing suspension.
 
While I can't speak to other observations regarding his protocols (the ice  
water part makes sense to me, but time of discovery and telling friends part  

sounded suboptimal) I CAN address a very interesting and counterintuitive fact
of life insurance.
 
In a nutshell, life insurance, as least the kind that I sell, can and DOES  
pay off, even in the event of suicide!
 
Isn't that weird?  And surprising?
 
Most, or at least many, people are unaware of this.  

The suicide MUST be after the two year "contestible and suicide"  clauses of 
the policy expire.  In  other words, if you suicide two  years after the 
policy effective date, the policy WILL pay off.  Unless  there are some really 

unusual circumstances, or you lied blatently on the  application (in which case,
strangely, the policy could STILL pay the death  benefit, since you are past 
the two year contestible period.)
 
Pretty amazing, huh?  

This does not mean that I or any other  responsible broker am encouraging you 
to buy your policy from me, wait two  years, and then off yourself.  
 
However, I delivered a multihundred thousand dollar death claim check for a  
policy where the client HAD committed suicide.  Only six months after the  
suicide clause expired, in the policy's 30th month.  
 
The company paid.  With interest, from date of death.
 
(This enabled the grandparents to raise the two year old child my client  
left behind when the 27 year old Mom intentionally ran her car in her closed  

garage until she died.  A sad case, but the grandparents are very grateful  that
they were provided the needed financial resources to raise this  grandchild.)
 
Not all companies, in all states, would do this.  (To be fair, most  do.)
 
But the high quality, high integrity, and highly rated carriers I work with  
DO pay.  Even on suicide, after 2 years.  And the cost to do business  with 
these carriers, and get "concierge" level service, is usually LOWER than my  
competition.
 
Just an interesting, and perhaps germane, addition to the discussion of  
voluntary deanimation.
 
Also, a very important fact to know if you have an inoperable or  progressive 
disease, and want to make sure your suspension funding will indeed  be there 
to potentially save your precious brain pattern/soul/sense of  self.  
 
There are a HUGE number of variables that can go wrong and which can result  
in a bad or nonexistent cryonic suspension.  A million ways to "screw the  
pooch" and you are probably dead forever.  
 
One variable we cannot tolerate mistakes on is your cryonics funding.   
Handled professionally, your funding will be there for you the day your heart  
stops pumping, and those techs are cooling you down to reduce warm  ischemia.  
 
Not surprisingly, making sure your funding is absolutely solid is my  

passion.  I know I come across like a self promoting, semi arrogant fellow  at 
times. 
 But please know I am VERY serious about making sure your  suspension is 
properly funded if you are one of my many friends reading this  post.
 
Kind Regards, 
 
Rudi Hoffman
(PS...Thank you!)


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