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Douglas_Knight comments on Normal Cryonics - Less Wrong
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I think the idea is to ensure an income during the term of childhood; when the term ends, one expects that they are capable of supporting themselves. If it were about inheritance, then it would be comparable to cryonics, but I don't think it is.
From Wikipedia: "Many financial advisors or other experts commonly recommend term life insurance as a means to cover potential expenses until such time that there are sufficient funds available from savings to protect those whom the insurance coverage was intended to protect." That's the idea I meant to convey; the above phrasing nicely covers both the "inheritance" and "funding cryonics" cases.