Cryonics Insurance | Cryonics Life Insurance and Cryonics Life Assurance

CRYONICS & LIFE INSURANCE – WHOLE OF LIFE ASSURANCE (UK)

By Chris Morgan | Published: January 28, 2026

Cryonics & Whole of Life Assurance by Chris Morgan

Certainly one the most common questions I’m asked about Life Insurance for Cryonics relates to UK based Whole of Life Assurance.

In particular why is Whole of Life Assurance recognised as the best way to pay for Cryonics in the UK?

Cryonics providers themselves are not able to give advice on Insurance products, especially if they are based outside of the UK.

They are very open about this on their websites and encourage potential members to seek professional financial advice, especially if they are in the UK.

Unusual Risks have many existing clients who are members of Alcor, Cryonics Institute, Tomorrow Biostasis and Cryonics UK.

We are completely independent and are up to date with the latest developments in the Cryonics community and the Insurance products that are most suitable.

Unusual Risks are financial professionals who are qualified, authorised and licensed to advise you on all your Life Insurance needs for Cryonics in the UK.

LEVEL TERM INSURANCE

Fixed term – this means your Life Insurance could end before the money is needed.

The only time this should be recommended is where you intend on using other existing assets to pay for Cryonics in the future. This type of Life Insurance may create a funding shortfall and Term Life Insurance polices are generally unsuitable for funding Cryonics.

Term Life Insurance works out the most expensive way overall to fund Cryonics.

Although you have Life Insurance throughout the term, you will still need to fund the final payment in later life after the term ends by some other means.

WHOLE OF LIFE ASSURANCE

Whole of Life Assurance reduces the overall amount you pay for Cryonics – this is due to the way that the underlying contract works.

There is no better and cheaper way to fund your Cryonics agreement, this can be demonstrated within our advice when we present quotations to you.

Whole of Life Assurance provides Life Cover right through until the moment it is needed to fund Cryonics.

IMPORTANT ISSUES

We can advise you on all the important issues that impact on your decisions when taking out Life Insurance for Cryonics.

These are some of the common questions we are asked?

What are the correct type of trusts that are required by the Cryonics providers?

How can I go about mitigating the effects of inflation within my Life Assurance planning?

How can I account for fluctuations in Foreign Currency Exchange rates, when selecting the amount of cover that I need?

INDEPENDENT ADVISERS

Unusual Risks are qualified, authorised and licensed in the UK to advise you on all your Life Insurance needs for Cryonics.

We have agencies with all of the leading UK Life Insurance Companies and are completely up to date with all the latest Whole of Life Assurance products in the UK.

We are financial services professionals that are authorised to provide “advice and recommendation”, which means we assess your requirements and then present recommendations to you in the form of quotations.

To read our recent Cryonics & Life Insurance UK Guide click here https://cryonics-insurance.co.uk

ABOUT UNUSUAL RISKS

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for the last seventeen years to arrange all types of insurance policies for their needs.

They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics service providers.

Unusual Risks are the approved Insurance agents in the United Kingdom for both Alcor Life Extension Foundation and The Cryonics Institute. We also represent members of Tomorrow Biostasis and also advise members of Cryonics UK the emergency standby provider.

All Cryonics organisations recommend that you obtain financial advice before taking out Whole of Life Assurance – as they are not able to advise you on Life Insurance matters in the UK.

See links below.

If you need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email Enquiries@unusualrisks.co.uk Visit Unusual Risks on the web at www.cryonicsinsurance.co.uk

Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org Tomorrow Biostasis https://www.tomorrow.bio/

If you are in the United Kingdom wanting to know more about the subject of Cryonics and emergency standby services you should contact Cryonics UK at www.cryonics-uk.org

CRYONIC & LIFE INSURANCE – UK GUIDE

By Chris Morgan | Published: November 15, 2025

Where to find the best information about Cryonics & Life Insurance – by Chris Morgan

Unusual Risks have been advising and looking after the Life Insurance requirements of Cryonics members for over 16 years. Over this time we have arranged many policies for people entering into Cryonics memberships with the growing number of Cryonics Companies that are available.

In 2025 we established that the average sum assured for someone taking out Whole of Life Assurance for Cryonics was £99,213, which has grown from the previous years figure of £94,517. The amounts of cover taken up vary from £60,000 up to £230,000 depending which Cryonics provider the applicants chosen.

LEADING ORGANISATONS

We have many clients who have already arranged Cryonics and these are the organisations where we currently have clients who are members.

All organisations recommend that you obtain financial advice before taking out Whole of Life Assurance – as they are not able to advise you on Life Insurance matters in the UK.

Unusual Risks are qualified and licensed in the UK to advise you on all your Life Insurance needs for Cryonics.

(Providers In Alphabetical Order)

Alcor Life Extension Foundation – Non Profit Organisation – Established 1972 – Services are priced between $90,000 and $230,000 and include Neuro and Full Body – There prices include transportation and emergency standby – Head Office is located at Scottsdale Arizona, USA.

Website: www.alcor.org

Cryonics Institute – Non Profit Organisation – Established 1976 – Services are priced at around £60,000 (sterling equivalent) for fully body – including transportation and emergency standby an organisation like Cryonics UK. – Head office is located at Clinton Township, Detroit, USA.

Website: www.cryonics.org

Tomorrow Biostasis – Established 2020 – Services are priced at 200,000 Euros for full body and 75,000 brain only – including transportation and emergency standby. They are located in Berlin, Germany, with storage facilities in Switzerland.

Website: www.tomorrow.bio

EMERGENCY STANDBY

Cryonics UK also known as the Human Organ Preservation Trust – Non Profit Organisation – Established 1991 – Monthly membership fees range between £10 and £30 – They provide emergency standby services and are located in Sheffield, United Kingdom. They periodically hold workshops in Sheffield and London.

Website: www.cryonics.org

KEY CONSIDERATIONS

These are some of the key considerations you may come across when taking life insurance for the purpose of Cryonics preservation

Currency fluctuation – The service providers mentioned above operate in either dollars or euros if they are based in USA or Europe, this means you need to take into account future fluctuations in currency markets when taking out life insurance in UK pound sterling.

Indexation – The really hot topic of the moment is the effects of inflation on the future values of any policy that you take out. There are several options for incrementing your insurance and you should consider these carefully before taking out Life insurance for Cryonics.

Trust Documents – All of the Cryonics providers require that you place your insurance into a trust, which is designed to make certain your wishes are carried out and to protect your interests at the point you become preserved. We are able to advise you on the different trusts required by each Cryonics provider.

Trustees – You will be required to appoint trustees to carry out your wishes at the point of preservation, these are normally people you “trust” from within the Cryonics organisations, your family or your group of friends.

ABOUT US

About Unusual Risks

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for the last sixteen years to arrange all types of insurance policies for their needs.

They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics service providers.

All Cryonics organisations recommend that you obtain financial advice before taking out Whole of Life Assurance – as they are not able to advise you on Life Insurance matters in the UK.

See links below.

Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org Tomorrow Biostasis https://www.tomorrow.bio/

If you are in the United Kingdom wanting to know more about the subject of Cryonics and emergency standby services you should contact Cryonics UK at www.cryonics-uk.org

CRYONICS & LIFE INSURANCE – HOT TOPICS

By Chris Morgan | Published: August 5, 2025

What happens when you have too much or too little Life Insurance for Cryonics? By Chris Morgan

What has led me to write this article is that I’ve recently seen cases, where they are either over funded or simply do not have enough.

Having too much life insurance for Cryonics is of course a much better scenario, than having too little in later life – but both situations need further advice and financial planning.

We have met a number of people where their plans are linked to either Retail Price Index or Average Earnings Index – this means that those plans increase incrementally.

Unusual Risks are qualified and licensed in the UK to advise you on all your Life Insurance needs for Cryonics.

FUNDING GAP

We have also met recently some policy holders where they have taken out too little cover and have not increased their plan since it began.

For those with gaps in their funding they may need to consider taking “Additional Cover” and that is normally achieved by incrementing their existing plan, or taking new new cover along side their existing policy.

OVER FUNDING

For some they may find that their policy is over funded and may have too much cover already and they may need to look at “Tailoring Cover” for the future.

They may already have options to reduce their cover or turn off the Indexation feature of their policy, so their cover is more in line with their future requirements.

INDEXATION

What we do know is that “Inflation” has been running high these last few years and some people may find their plan increments are also running higher than expected, which although is better than having a shortfall – may be something they may need to address.

Most policies offer the choice of whether to accept an annual increase or defer that increase to the following year – this is an additional feature to turning indexation off all together.

For new policyholders and those taking additional cover there are now some new policy options and features available for indexation – we have all the latest advise for clients.

HISTORIC LEGACY

We do meet people who have historic “Legacy Contracts” with insurers that date back many years, where they have flat cover without any indexation – This may leave them short in their funding.

Also we have met people using Decreasing or Level Term Assurance – which has a limited term and isn’t considered the most suitable type of Life Insurance for Cryonics.

Although these policies were not written by ourselves, those in need of financial advice are always welcome to contact us.

ABOUT US

About Unusual Risks

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for the last sixteen years to arrange all types of insurance policies for their needs.

They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics service providers.

Unusual Risks are the approved Insurance agents in the United Kingdom for both Alcor Life Extension Foundation and The Cryonics Institute. We also represent members of Tomorrow Biostasis and also members of Cryonics UK the emergency standby provider.

All Cryonics organisations recommend that you obtain financial advice before taking out Whole of Life Assurance – as they are not able to advise you on Life Insurance matters in the UK.

See links below.

Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org Tomorrow Biostasis https://www.tomorrow.bio/

If you are in the United Kingdom wanting to know more about the subject of Cryonics and emergency standby services you should contact Cryonics UK at www.cryonics-uk.org

Cryonics Life Insurance – A second chance at life

By Chris Morgan | Published: November 5, 2024

Just over eleven years ago I agreed to an interview with a journalist with the Guardian newspaper about the world of Cryonics and in particular Cryonics and Insurance.

This was just ahead of the Cryonics Roadshow that was held at Rowland Brother Funeral directors in London and they were keen to explore the world of Cryonics for the benefit of their readers.

The interview at the time was ground breaking in regards to insurance and financial services because up until that moment many of the news articles in the press had been quite derogatory towards the Cryonics Community.

Here are some lines from the original article – “Cryonics: The People Hoping To Give Death The Cold Shoulder”

“Scores of brits have signed up for what the movement has dubbed “a second chance at life”.

“Many people think cryonics is just for the wealthy, but with life insurance it is affordable for people on a modest income, especially if they start the policy when they are young”.

And some of Chris Morgan’s quotes revisited …

“Unusual Risks generally recommends “Whole of Life” cover, which is designed to provide a guaranteed payout on death”

“The insurance was to be written in a certain way because there needs to be a mechanism in place so the cryonics provider knows it is definitely going to get it’s money”.

“It is best to use an insurer that provides an absolute trust document, where the beneficiary – cryonics company is named, and this cannot be changed, he adds. “They need to be absolutely certain they are going to be paid for the services they are providing”.

To read the full article first published in the Guardian in September 2013 click here.

https://www.theguardian.com/money/2013/sep/20/cryonics-death-insurance-policies

It’s been over 15 years since Unusual Risks started advising clients about their funding arrangements for Cryonics. With that comes experience and a detailed knowledge of the Cryonics services available and the Life Insurance products that are suitable for the purpose of funding Cryonics.

The coverage in the Guardian is just part of Unusual Risk’s journey and longevity advising Cryonics members.

Currently we have clients who have membership agreements with Alcor Life Extension Foundation and The Cryonics Institute – and welcome anyone who is planning to become a member of any Cryonics organisation.

If you require specialist financial advice regarding your life insurance arrangements for Cryonics then be sure to contact us.

If you need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email Enquiries@unusualrisks.co.uk Visit Unusual Risks on the web at www.cryonicsinsurance.co.uk

We are the UK Financial Adviser for both Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org

If you are in the United Kingdom wanting to know more about the subject of Cryonics contact Cryonics UK at www.cryonics-uk.org

Cryonics Life Insurance Survey 2024

By Chris Morgan | Published: August 15, 2024

Unusual Risks are the UK’s leading advisers for people who are looking to take out a Cryonics membership with either Alcor Life Extension Foundation or Cryonics Institute.

Every year we survey the Cryonics community in regards to the amounts of Life Insurance cover they are taking for this purpose – we have many existing clients who have Cryonics memberships and we are always happy to speak with people who are looking to take out new Cryonics memberships.

“Cryonics Life Insurance Survey 2024“

Unusual Risks, the Cryonics Insurance advisers, are today announcing the results of their tenth Cryonics and Insurance Survey. After conducting research into the financial needs of the Cryonics community in the UK, they can now confirm that the average amount of Insurance being taken for the purpose of Cryonics is £94,517.

The survey was conducted amongst existing clients of Unusual Risks, who were either members of Alcor Life Extension Foundation or The Cryonics Institute. This year’s survey looked at the average amount of Life Insurance being taken out for the purposes of Cryopreservation, both full body and neuro.

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;

‘The purpose of the annual Cryonics and Insurance survey is to raise awareness of Cryonics and its accessibility through Whole of Life Assurance. There is a great amount of discussion within the Cryonics Community as to the most appropriate amounts of insurance to have in place for Cryonics and we are experts at helping to find the right type of cover.’

‘We realise that the amounts of insurance that people take is an individual decision, that needs to take into account issues such as currency fluctuations and future price increases in line with inflation. Inflation is a particularly topical issue with many clients needing advice on their existing life insurance contracts.’

We are finding that during this last year we have met people who are speaking to Alcor Life Extension Foundation and Cryonics Institute. We also met a number of clients who have needed advice on their existing policies in the current higher inflation environment.

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for over fifteen years to arrange all types of insurance policies for their needs. They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics Service providers.

If you need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email Enquiries@unusualrisks.co.uk

Visit Unusual Risks on the web at www.cryonicsinsurance.co.uk

Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org

If you are in the United Kingdom wanting to know more about the subject of Cryonics contact Cryonics UK at www.cryonics-uk.org

CRYONICS & LIFE INSURANCE – PART 2 – KEY FINANCIAL CONSIDERATIONS

By Chris Morgan | Published: August 31, 2023

“Key Considerations When Choosing Life Insurance For Cryonics” – By Chris Morgan

Over the last 14 years, I’ve met literally hundreds of people in the UK interested in taking out Life Insurance to fund their Cryopreservation agreements. Some of the key considerations when taking out Cryonics are Currency Fluctuation, the Effects of Inflation and Trust Arrangements.

In the coming weeks I plan to share with you important information that is relevant to people who are based in the UK and are taking out Life Insurance for Cryonics. If you would like any more information you are very welcome to contact my office for an appointment to discuss your circumstances in detail.

Advice & Recommendation

Cryonics Membership is one of the biggest and most significant financial decisions you will make in your lifetime. It is most definitely a considered purchase with total costs of somewhere between buying a new car and buying a home. Some of the financial issues are complex and you should seek Advice and Recommendation from a qualified financial adviser before making a decision.

Currency Fluctuations

Those taking out Life Insurance for Cryonics in the UK will be taking their policy in pounds sterling, so it is important to consider any potential currency fluctuations between the Pound, Dollar and Euro – this of course depending on the geographical location of the Cryonics provider that you choose for your preservation.

Inflation Linking

Inflation is a very topical issue at this moment and one which could have serious implications to the future values of your policy. All UK Life Insurance companies offer the opportunity to index link your policy, this is either in line with the retail price index, or at fixed rates – but their products differ greatly and most definitely take advice on this issue.

Trust Arrangements

All of the Cryonics providers will require that you place your life insurance policy into trust so that the benefits are paid out directly to them. This is to make certain that your final wishes are carried out in a timely way – Cryopreservation needs to be carried out immediately upon your passing, so it is important to make sure all of correct legal paperwork is in place.

Capitalisation

When recommending life insurance providers we only recommend Life Insurance Companies who are regulated in the UK and have sound financial standing and solvency. These are all household names that are well known and trusted in the UK.

We also strongly recommend that you check that your Cryonics Provider has a sound financial capitalisation and operates a sustainable trading model. Most providers do publish their annual accounts, which will show their capitalisation and latest trading position.

Take Specialist Independent Advice

Before taking out Life Insurance for Cryonics we advise you to Know All Implications – especially around all of these complicated issues currency fluctuations, the effects of inflation and the setting up of trust documents. We have been offering specialist advice on these issues for fourteen years and we will be able to answer your questions on these matters.

About Unusual Risks

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for the last fourteen years to arrange all types of insurance policies for their needs.

They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics Service providers.

Also be sure to read Cryonics & Life Insurance – Part 1 – Life Insurance Products

CRYONICS & LIFE INSURANCE – PART 1 – LIFE INSURANCE PRODUCTS

If you need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email Enquiries@unusualrisks.co.uk

Visit Unusual Risks on the web at www.cryonicsinsurance.co.uk

Unusual Risks are the approved Insurance agents in the United Kingdom for both Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org

If you are in the United Kingdom wanting to know more about the subject of Cryonics should contact Cryonics UK at www.cryonics-uk.org

CRYONICS & LIFE INSURANCE – PART 1 – LIFE INSURANCE PRODUCTS

By Chris Morgan | Published: August 29, 2023

“Selecting the Right Life Insurance For Cryonics” – By Chris Morgan

Over the last 14 years, I’ve met literally hundreds of people in the UK interested in taking out Life Insurance to fund their Cryopreservation agreements. One of the key questions that people have is related to the type of Life Insurance they should take out and how this should be structured.

In the coming weeks I plan to share with you important information that is relevant to people who are based in the UK taking out Life Insurance for Cryonics. If you would like any more information you are very welcome to contact my office for an appointment to discuss your circumstances in detail.

Term Life Insurance v Whole of Life Assurance

Term Life Insurance is a temporary form of life insurance that is normally taken out for a specific purpose such as covering a mortgage liability or family protection. It is commonly taken for a fixed term of between 10 and 30 years at which point it ends – in my opinion this type of Life Insurance is unsuitable as a funding method for Cryonics as it has only a limited term.

Whole of Life Insurance is a form of Life Insurance that will run until the benefits are required and is normally taken out for a purpose such as Inheritance tax, funeral planning or paying for Cryonics. Whole of life insurance in the UK is definitely the most appropriate funding method for Cryonics, as it is guaranteed to pay out when needed.

Those taking out Whole of Life Insurance for the purpose of funding their Cryonics may be able to reduce their overall cost of buying Cryonics by up to 50%. This is particularly the case for those who may not have any pre-existing medical conditions and those taking out cover earlier in the lives. Premiums are based upon age next birthday, so it is better to take out cover earlier rather than later.

Investment Backed v Non Investment Backed

One regular question I’m currently being asked is in regards to “Investment Backed” or “Savings Plan” Whole of Life Insurance, which is being featured on some European Cryonics websites and whether the information contained there is relevant to UK residents.

Investment Backed / Savings plan Whole of Life Insurance is not available in the UK and was withdrawn from the UK market as an unsuitable product here in the 1990’s. There are simply much better alternatives available here in the UK for UK residents to fund their Cryonics agreements.

Whole of Life Insurance in UK is “non investment backed” and is not a saving or investment backed contract – this has been the case for many years. Also to be clear UK Whole of Life Insurance has a guaranteed sum assured from inception of the plan and this is also guaranteed when any claim is made.

Please note any advice to delay setting up a whole of life assurance and instead taking a Term Life Insurance is totally incorrect and UK residents should take advice from a qualified financial adviser. Delaying for several years will significantly increase your premiums and the overall costs of buying Cryonics.

Financial Standing & Solvency

We only recommend Life Insurance Companies that have sound financial standing and solvency, who are regulated in the UK. These are all household names that are well known and trusted in the UK.

We also advise that if you are looking to take out Life Insurance for Cryonics in Europe that you check the products you are looking at are regulated in the UK. We are aware there are some being offered to UK citizens that are not based or regulated in the UK and there are much better alternatives.

Take Specialist Independent Advice

Before taking out Life Insurance for Cryonics we advise you to Know All Implications – especially around complicated issues such as currency fluctuations, the effects of inflation and the setting up of trust documents. We have been offering specialist advice on these issues for fourteen years.

About Unusual Risks`

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for the last fourteen years to arrange all types of insurance policies for their needs.

They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics Service providers.

Also be sure to read Cryonics & Life Insurance – Part 2 – Key Considerations

CRYONICS & LIFE INSURANCE – PART 2 – KEY FINANCIAL CONSIDERATIONS

If you need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email Enquiries@unusualrisks.co.uk

Visit Unusual Risks on the web at www.cryonicsinsurance.co.uk

Unusual Risks are the approved Insurance agents in the United Kingdom for both Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org

If you are in the United Kingdom wanting to know more about the subject of Cryonics you should contact Cryonics UK at www.cryonics-uk.org

CRYONICS & LIFE INSURANCE SURVEY 2023

By Chris Morgan | Published: July 19, 2023

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;

‘We realise that the amounts of insurance that people take is an individual decision, that needs to take into account issues such as currency fluctuations and future price increases in line with inflation. During the recent survey the level of Life Insurance has reduced this year, which we believe is due to the current economic environment influencing people’s decisions’.

We are finding that during this last year most people have elected for either full body service with Cryonics Institute, or neuro service with Alcor Life Extension Foundation, at an average of £94,144. A previous Cryonics and Insurance Survey established that 90%* of Cryonics people were funding or intending to fund their agreements with an insurance policy.

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for over twelve years to arrange all types of insurance policies for their needs. They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics Service providers.

If you need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email Enquiries@unusualrisks.co.uk

Visit Unusual Risks on the web at www.cryonicsinsurance.co.uk
Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org

If you are in the United Kingdom wanting to know more about the subject of Cryonics contact Cryonics UK at www.cryonics-uk.org

CRYONICS & LIFE INSURANCE SURVEY 2022

By Chris Morgan | Published: August 8, 2022

Unusual Risks, the Cryonics Insurance advisers, are today announcing the results of their ninth Cryonics and Insurance Survey. After conducting research into the financial needs of the Cryonics community in the UK, they can now confirm that the average amount of Insurance being taken for the purpose of Cryonics has reduced to £97,493*, from a previous average of £99,661.

Speaking about their survey, Chris Morgan, Lead Financial Adviser of Unusual Risks said;

‘The purpose of the annual Cryonics and Insurance survey is to raise awareness of Cryonics and it’s accessibility through Whole of Life Assurance. There is a great amount of discussion within the Cryonics Community as to the most appropriate amounts of insurance to have in place for Cryonics and we are experts at helping to find the right level of cover’,

‘We realise that the amounts of insurance that people take is an individual decision, that needs to take into account issues such as currency fluctuations and future price increases in line with inflation. During the recent survey the level of Life Insurance has reduced this year, which we believe is due to the current economic environment influencing people’s decisions’.

We are finding that during this last year most people have elected for either full body service with Cryonics Institute, or neuro service with Alcor Life Extension Foundation, at an average of £97,493. A previous Cryonics and Insurance Survey established that 90%* of Cryonics people were funding or intending to fund their agreements with an insurance policy.

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for over ten years to arrange all types of insurance policies for their needs. They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics Service providers.

About Unusual Risks`

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for the last twelve years to arrange all types of insurance policies for their needs.

They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics Service providers.

Unusual Risks are the approved Insurance agents in the United Kingdom for both Alcor Life Extension Foundation and The Cryonics Institute. See links below.

If you need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email Enquiries@unusualrisks.co.uk

Visit Unusual Risks on the web at www.cryonicsinsurance.co.uk

Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org

If you are in the United Kingdom wanting to know more about the subject of Cryonics should contact Cryonics UK at www.cryonics-uk.orgEdit

Cryonics and Life Insurance Featured In The Telegraph ….

By Chris Morgan | Published: November 25, 2021

Commentary By Chris Morgan

Earlier this month the UK newspaper The Telegraph featured the subject of Cryonics and Life Insurance. The article was very well written and included interviews with Tim Gibson from Cryonics UK, Dr. Max More, The Chief Executive of Alcor Life Extension Foundation and Dennis Kowalski, The President of the Cryonics Institute.

Chris Morgan, the lead financial Adviser from Unusual Risks, was also interviewed about the financial planning issues around Cryonics.

Here are some extracts including Chris’s quotes from the interview.

“Chris Morgan, a financial adviser at Unusual Risks, is Britain’s resident expert in cryonics financial planning.

“Over the last 18 months, demand has come from younger people”, said Mr Morgan. “The average age has shifted from those in their 40’s to people in their 30’s and I now have a 20 year-old looking for Life Insurance for cryonics”.

The entry level for cryopreservation is the Cryonics Institutes’s lifetime membership package the total cost is about £50,000.

“However, inflation and currency fluctuations meant customers needed to insure themselves for more, said Mr Morgan. life Insurance plans of between £60,000 and £200,000 are typically required (depending on which Cryonics provider you are planning to use)”

Telegraph readers are able to read the full article here.

https://www.telegraph.co.uk/money/consumer-affairs/much-would-pay-come-back-dead-starting-price-60k/

Unusual Risks are experts in financial planning for Cryonics and advising clients over matters such as the amounts of covered required, the effects of inflation and the implications of trust planning using Absolute, Fixed and Bare Trusts. All of which are required by both Alcor Life Extension and The Cryonics Institute as a condition of their membership.

About Unusual Risks`

Chris Morgan and Unusual Risks have been helping the UK Cryonics community for the last twelve years to arrange all types of insurance policies for their needs.

They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics Service providers.

Unusual Risks are the approved Insurance agents in the United Kingdom for both Alcor Life Extension Foundation and The Cryonics Institute. See links below.

If you need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email Enquiries@unusualrisks.co.uk

Visit Unusual Risks on the web at www.cryonicsinsurance.co.uk

Alcor Life Extension Foundation www.alcor.org and The Cryonics Institute www.cryonics.org

If you are in the United Kingdom wanting to know more about the subject of Cryonics should contact Cryonics UK at www.cryonics-uk.org

Cryonics Life Insurance and Cryonics Life Assurance

CRYONICS & LIFE INSURANCE – WHOLE OF LIFE ASSURANCE (UK)

CRYONIC & LIFE INSURANCE – UK GUIDE

CRYONICS & LIFE INSURANCE – HOT TOPICS

Cryonics Life Insurance – A second chance at life

Cryonics Life Insurance Survey 2024

CRYONICS & LIFE INSURANCE – PART 2 – KEY FINANCIAL CONSIDERATIONS

CRYONICS & LIFE INSURANCE – PART 1 – LIFE INSURANCE PRODUCTS

CRYONICS & LIFE INSURANCE SURVEY 2023

CRYONICS & LIFE INSURANCE SURVEY 2022

Cryonics and Life Insurance Featured In The Telegraph ….

Cryonics and Insurance

New Cryonics Members

Existing Cryonics Members

Pages

Archives