Why cryonics needs a financial plan
Cryonics is more than science — it’s a long-term commitment. Whether you’re preserving yourself or a loved one, the cost of full-body cryopreservation typically runs in the range of €200,000. That can seem overwhelming, but in reality, very few people pay this out-of-pocket.
Instead, the vast majority of cryonics members fund preservation using life insurance — a simple and widely available financial tool.
How does cryonics life insurance work?
Life insurance pays a benefit upon your legal death. You can structure this benefit to go directly to your cryonics provider — covering all preservation and long-term storage costs.
Here’s the basic process:
- You choose a cryonics provider.
- You take out a life insurance policy (usually term or whole life) with a payout equal to or greater than the cost of preservation.
- You name the provider as the beneficiary (or create a trust that pays them).
- Upon death, the policy pays the provider, and the cryopreservation process begins.
This structure allows even people with modest incomes to afford cryonics — often for the price of a monthly streaming subscription.
What type of policy do you need?
There are two main types of life insurance commonly used to fund cryonics:
1. Term life insurance
- Covers you for a set period (e.g. 20–30 years).
- Low monthly premiums, especially when you're young.
- Good for people under 50 who plan to renew or convert later.
2. Whole life insurance
- Covers you for your entire life.
- Higher premiums but guaranteed payout.
- Preferred by people over 50 or those who want a permanent solution.
Tomorrow.bio works with members to determine the best policy based on age, budget, and goals. You can book a consultation to receive personalized guidance.
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How much does it cost per month?
Premiums vary based on age, health, policy type, and provider. For a healthy individual in their 30s, a €200,000 term life policy might cost as little as:
- €30–50 per month for term
- €100–200 per month for whole life
The earlier you start, the more affordable your premiums. This is why many members sign up in their 20s or 30s — locking in low costs for decades.
Who should be the beneficiary?
In most cases, you name your cryonics provider (e.g., Tomorrow.bio) as the primary beneficiary. This ensures the money goes directly to fund your preservation.
Some people prefer to name a trust as the beneficiary. This allows for greater flexibility — including paying for additional services, travel costs, or family support — and can also include backups in case of provider changes.
Tomorrow.bio can provide referrals to legal and insurance professionals who specialize in setting up cryonics-compatible structures.
What if I change my mind later?
You can change your policy, provider, or beneficiaries at any time — just like with any standard life insurance.
This flexibility allows you to adjust your plans if:
- You move to another country
- A new provider becomes available
- Your financial situation changes
- You decide to include a pet or a partner in your plan
Planning for cryonics through life insurance doesn't lock you in — it gives you more control over your future.
Can couples or families do this together?
Absolutely. Many couples or even entire families join cryonics programs together and take out life insurance policies to fund multiple preservation plans.
Each person usually needs a separate policy, but Tomorrow.bio can help coordinate plans and provide bundled documentation for estate planning.
What if I’m older or have a medical condition?
While younger, healthier people get the best life insurance rates, it’s still possible to get coverage later in life — though premiums will be higher.
If you can’t qualify for traditional insurance, options may include:
- Guaranteed issue policies
- Prepaid trust funding
- Health-based custom plans
It’s best to start with a consultation to understand what’s available in your country.
Why life insurance makes cryonics accessible
Without insurance, cryopreservation might seem financially out of reach. But with the right policy, you can prepare for the future affordably and responsibly — just as you would with a funeral or estate plan.
Life insurance makes cryonics a realistic option, not just for the wealthy, but for anyone who values future possibilities.
About Tomorrow.bio
At Tomorrow.bio, we are dedicated to advancing the science of cryopreservation with the goal of giving people and pets a second chance at life. As Europe’s leading cryopreservation provider, we focus on rapid, high-quality standby, stabilization, and storage of terminal patients — preserving them until future medical technologies may allow revival and treatment.
Our mission is to make cryopreservation a reliable and accessible option for everyone. We believe that no life — human or animal — should end because current medical capabilities fall short.
📧 Contact us at: hello@tomorrow.bio
🌐 Visit our website: www.tomorrow.bio
🤝 Schedule a consultation: Book a call
