Again, I replied in the very same thread I linked to.

Remember that a lot of people who get life insurance policies cancel them before they die, or fall on hard times and can't pay the premiums. I'm 24 and healthy. I went the more expensive route and got whole life insurance, so my premiums are $64/month. With Alcor dues I end up spending about a grand per year on cryonics. Did I mention I picked what is basically the most expensive option? (Alcor whole body preservation with whole life insurance). You could easily cut that down to $300/year if you went with CI and term life insurance.

$64 * 12 * 50 = $38,400, which is a bit less than the policy of $200k. If that money were invested every month, it would end up being significantly more than the policy amount.

Term life insurance is not a bad idea for most people. Lots of people save up money over their careers. $80,000 is barely a down payment on a condo in the bay area.