{"id":496,"date":"2025-08-05T10:54:39","date_gmt":"2025-08-05T10:54:39","guid":{"rendered":"https:\/\/cryonics-insurance.co.uk\/?p=496"},"modified":"2026-01-28T15:22:37","modified_gmt":"2026-01-28T15:22:37","slug":"cryonics-life-insurance-hot-topics-summer-2025","status":"publish","type":"post","link":"https:\/\/cryonics-insurance.co.uk\/?p=496","title":{"rendered":"CRYONICS & LIFE INSURANCE – HOT TOPICS"},"content":{"rendered":"\n

What happens when you have too much or too little Life Insurance for Cryonics? By Chris Morgan<\/strong><\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

Unusual Risks are qualified and licensed in the UK to advise you on all your Life Insurance needs for Cryonics.<\/p>\n\n\n\n

FUNDING GAP <\/strong><\/p>\n\n\n\n

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.<\/p>\n\n\n\n

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

OVER FUNDING <\/strong><\/p>\n\n\n\n

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”<\/strong> for the future.<\/p>\n\n\n\n

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. <\/p>\n\n\n\n

INDEXATION<\/strong><\/p>\n\n\n\n

What we do know is that “Inflation” <\/strong>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.<\/p>\n\n\n\n

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. <\/p>\n\n\n\n

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.<\/p>\n\n\n\n

HISTORIC LEGACY <\/strong><\/p>\n\n\n\n

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

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.<\/p>\n\n\n\n

Although these policies were not written by ourselves, those in need of financial advice are always welcome to contact us.<\/p>\n\n\n\n

ABOUT US <\/strong><\/p>\n\n\n\n

About Unusual Risks<\/strong><\/p>\n\n\n\n

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.<\/p>\n\n\n\n

They are experienced at calculating future Cryonics insurance requirements and completing the appropriate trust documentation required by all of the leading Cryonics service providers.<\/p>\n\n\n\n

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.<\/p>\n\n\n\n

All Cryonics organisations recommend that you obtain financial advice before taking out Whole of Life Assurance \u2013 as they are not able to advise you on Life Insurance matters in the UK.<\/p>\n\n\n\n

See links below.<\/strong><\/p>\n\n\n\n

If y<\/strong><\/em>o<\/em><\/strong>u need advice about Cryonics and Insurance then contact us on 0845 474 3075 or by email <\/strong><\/em>Enquiries@unusualrisks.co.uk<\/strong><\/em><\/a> Visit Unusual Risks on the web at <\/em><\/strong>www.cryonicsinsurance.co.u<\/strong><\/em><\/a>k <\/p>\n\n\n\n

Alcor Life Extension Foundation\u00a0<\/em><\/strong>www.alcor.org<\/a>\u00a0<\/strong><\/em>and The Cryonics Institute\u00a0www.cryonics.org<\/a><\/em><\/strong> Tomorrow Biostasis<\/strong><\/em> https:\/\/www.tomorrow.bio\/<\/em><\/strong><\/a><\/p>\n\n\n\n

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<\/em><\/strong> www.cryonics-uk.org<\/a><\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

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 […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4,2,5,3,15,1,6,7],"tags":[],"class_list":["post-496","post","type-post","status-publish","format-standard","hentry","category-alcor-life-extension-foundation","category-cryonics-and-insurance","category-cryonics-institute","category-cryonics-uk","category-tomorrow-biostatis","category-uncategorized","category-unusual-risks","category-whole-of-life-assurance"],"_links":{"self":[{"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/496","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=496"}],"version-history":[{"count":13,"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/496\/revisions"}],"predecessor-version":[{"id":555,"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=\/wp\/v2\/posts\/496\/revisions\/555"}],"wp:attachment":[{"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=496"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=496"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cryonics-insurance.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=496"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}