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ike comments on We really need a "cryonics sales pitch" article. - Less Wrong
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I just looked it up, and apparently reselling life insurance is so popular it has its own word: viatical. I expect you'd get reasonably close to fair value for it, and if you wouldn't pay fair value for it, you probably should be willing to accept fair value for it.
Although I'm not entirely clear if you can resell life insurance bought by an employer.