Opportunity costs are highest when you are young, on top of the serious risk JoshuaZ that you will, ex post*, not want to engage in cryonics and hence your capital will be inefficiently locked up in life insurance.
* Lots of possible reasons to change one's mind. Perhaps research will prove, over the coming decades, that cryonics destroys necessary information. Or perhaps there will be a massive loss of patients, leading to a corresponding spike in the storage part of the cryonics Drake equation. Perhaps there will just be a general hope function-style decay of prospects for cryonics as the decades drag on with no improvement or progress.
Another issue might be that rates are too high now: interest rates have been at rock bottom for years now, so what's the implicit interest rate in life insurance rates? Rock bottom such that when normality returns you forfeit even more returns?
So I recently found myself in a bit of an awkward position.
I frequent several Facebook discussion groups, several of which are about LW-related issues. In one of these groups, a discussion about identity/cryonics led to one about the end Massimo Piglucci's recent post (the bit where he says that the idea of uploading is a form of dualism), which turned into a discussion of LW views in general, at which point I revealed that I was, in fact, a LWer.
This put me in the awkward position of defending/explicating the views of the entirety of LW. Now, I've only been reading LessWrong for <10 months, and I've only recently become a more active part of the community. I've been a transhumanist for less time than that, seriously thinking about cryonics and identity for even less, and I suddenly found myself speaking for the intersection of all those groups
The discussion was crossposted to Felicifia a few days ago, and I realized that I was possibly out of my depth. I'm hoping I haven't grossly misrepresented anyone, but rereading the comments, I'm no longer sure.
Felicifia:
http://www.felicifia.org/viewtopic.php?f=23&t=801
Original FB Group :
https://www.facebook.com/groups/utilitarianism/permalink/318563281580856/
EDIT: If you're commenting on the topic, please state whether or not you'd mind me quoting you at felicifia (If you have a felicifia account, and you'd prefer to post it there yourself, be my guest.)