Funding your cryopreservation

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Oct 27, 2025, 6:20:01 PMOct 27

to cryocdn (Cryonics Society of Canada)

Since SB was asking, I thought I would post about this article from CI that I
came across previously.

Q: Is life insurance the best way to fund a contract?:

John de Rivaz suggests investing in tech stocks while using term insurance for

your cryopreservation in case you die early. Buying term and investing the

difference that you save by not buying whole life or universal is good general

advice.

Then, when your investment portfolio is grown large enough, stop buying the term

insurance and set up a transfer-on-death (TOD) from your portfolio.

I think he has a point about investing in tech stocks, but I would advise a

reliable, diversified portfolio such as advised by Harry Browne in his book

"Fail-Safe Investing". His asset allocation scheme is one-quarter each in cash,

gold, stocks and bonds. It has been working for me: lately gold has been

skyrocketing, and also stocks have been doing well. The cash component, such as

in money-market funds, gives you a buffer in case the other investments sink,

and it is a fund for constantly taking profits. Bonds provide stability, and go

up when interest rates go down, and often perform better when stocks sink. You

balance periodically, depending on how much time you have, which means that you

are always selling high and buying low, rather than buying high on excitement

and selling low on panic. See

Asset allocation is an idea that has been around for a long time.

Best regards,

James