gwern comments on A survey of anti-cryonics writing - Less Wrong
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Legally, you're just dead. Your life insurance gets paid out as specified, your assets get sold off and dispersed, your creditors take what they can, and after a while, the files are finally closed. What happens to your corpse is a private detail.
There are cases of people returning long after being declared dead, but from what I remember, they usually got very little back. The law doesn't like loose threads; eg. statute of limitations.
(And seriously - interest? What's the point of charging a returnee a few centuries of interest? If the relevant currencies, sovereignties, and entities even exist, compounded interest could be in the billions.)