ne is that individual circumstances might also matter in these calculations. For example, my risk of dying in a car accident is much lowered by not driving and only rarely riding in cars

Yes I totally agree. Similarly your chances of being murdered are probably a lot lower than the average if you live in an affluent neighborhood and have a spouse who has never assaulted you.

Suicide is an interesting issue -- I would like to think that my chances of committing suicide are far lower than average but painful experience has taught me that it's very easy to be overconfident in predicting one's own actions.

There may also be financial considerations. Cancer almost certainly and often heart disease and stroke take time to kill. If you were paying for cryonics out-of-pocket, this wouldn't matter, but if you were paying with life insurance the cost of the policy would go up, perhaps dramatically, if you were to wait until the onset of serious illness to make your arrangements, as life insurance companies are not fond of pre-existing condtions

Yes, but there is an easy way around this: Just buy life insurance while you are still reasonably healthy.

Actually this is what got me thinking about the issue: I was recently buying life insurance to protect my family. When I got the policy, I noticed that it had an "accelerated death benefit rider," i.e. if you are certifiably terminally ill, you can get a $100k advance on the policy proceeds. When you think about it, that's not the only way to raise substantial money in such a situation. For example, if you were terminally ill, your spouse probably wouldn't mind if you borrowed $200k against the house for cryopreservation if she knew that when you finally kicked the bucket she would get a check for a million from the insurance company.

So the upshot is that from a selfish perspective, there is a lot to be said for taking a "wait and see" approach.

(There's another issue I thought of: Like most life insurance policies, the ones I bought are good only for 20 years. There is a pretty good chance that I will live for those 20 years but in the meantime develop a serious health condition which makes it almost impossible to buy more insurance. What then?)

So again, the key here is determining how strongly you value your continued existence.

I agree with this to an extent.