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TsviBT comments on More Cryonics Probability Estimates - Less Wrong
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Presumably the $400/year should be expected to increase over time as you grow older and less healthy, and you should expect to end up contributing enough on average (one way or another) to pay that ~$100k when you finally die?
Fixed rate life policies are available, but they tend to cost a bit more.
I don't expect there to be a way to cheat statistics: if the life policies all have the same payout, they most likely all have the same expected cost when you take into account interest rates. The insurance company wants to make money (in expectation), after all.