X-Message-Number: 29787
From: 
Date: Mon, 27 Aug 2007 02:59:20 -0500
Subject: An even smaller apology to Rudi

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Rudi said:

[I almost invariably provide a spreadsheet  of coverage choices, in at
least three amounts]

And at least one of those amounts, is the one for the policy that the
consumer can just go out and apply for direct to the company, without a
middleman?  Um, I doubt it.

[the carrier is also one of  literally
less than five companies in the world who have put IN WRITING that  they
have
NO problem with cryonics organizations as OWNERS and  beneficiaries.]

And, um, would those just happen to be the same companies that provide
you with a generous cut of the policyholder's premiums?  Have you
bothered to check with other companies?  Are the letters from those 5
companies on your website?  Does it really matter - can you cite even one
instance where a cryonicist's insurance payout to the cryonics service
provider was denied because, after accepting the designation of
beneficiary, and/or transfer of ownership, years ago, they now decide not
to?  And the provider had to go to court to get their money?  Give us the
data point.

[I replaced old fashioned "whole life" policies...]

Thank you for doing that.  One small step for cryonicists.

[Instead, modern "universal life" policies are actually a "buy term  and
invest the difference" concept in a single contract...]

No they aren't. They are a "buy whole life with a term component", and
you know it.

[...return on the cash accumulation...]

4 percent???  That doesn't even cover the cost of inflation or the future
value of money.

[So, "Flavanoid" why I have never quite understood the seeming  antipathy
that
comes across in your posts about business, life insurance sales,  making
money, or for some strange reason apparently me personally...]

Some of it is hard information, some of it is that you come across like a
used car salesman.  Figure it out for yourself.

[As an interesting point of information which you may find  satisfying, I
have
been working harder and longer this year and making about  half the
income I
have in years past, BECAUSE I have focused on the very labor  intensive
field
of cryonics life insurance.]

And you never did that before?  What were you selling?

[...because there are those  who may be curious, even
envious, of the fact that I have above 80% of the world  market share in
cryonics...]

And I've often wondered how that can be.  I guess it is because most
cryonicists are too busy with the important things in life than to be
worried with insurance funding for cryonics, so they depend on you to do
their thinking for them.  I can't imagine any other reason.

[...please know that we are just barely making a living,  and a heck of a
way from getting rich.]

LOL!  Somewhere I have a copy of an email purportedly from Bill Faloon to
somebody we won't mention here, claiming to be living in "poverty" so
they can put all their money into cryonics (and reanimation accounts in
Liechtenstein, of course).  I'm sure you are comparably poor.  Sit on the
curb, bring out your monkey and crank your music grinder some more; I'll
throw him quarter or two.

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