Note that the cost of life insurance for a given period scales with your risk of death from non-global-risk causes in advance of a singularity.

My understanding was in policies like Roko was describing you're not paying year by year, you're paying for a lifetime thing where in the early years you're mostly paying for the rate not to go up in later years. Is this inaccurate? If it's year by year, $1/day seems expensive on a per life basis given that the population-wide rate of death is something like 1 in 1000 for young people, probably much less for LWers and much less still if you only count the ones leaving preservable brains.