CronoDAS comments on On the unpopularity of cryonics: life sucks, but at least then you die - Less Wrong
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People who are young and healthy usually end up becoming people who are likely to die soon.
I'm guessing that's why it's a good strategy to get cryonics when you're young and healthy.
Many of the rates quoted are for term life insurance, which expires and becomes worthless after a certain number of years.