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Cryopreservation is sold as a one-time price. It is actually a one-time price, a subscription, and an insurance policy running in parallel for decades. This adds them up.
The $215,000 preservation cost does not appear above because the insurer pays it. That is the whole appeal of the insurance route, and its whole fragility: miss enough premiums and the benefit disappears while the membership quietly continues.
| Age at policy issue | Annual premium per $1,000 of cover | Premium on $215,000 of cover |
|---|---|---|
| 18–29 | $6 | $1,290 / yr |
| 30–39 | $9 | $1,935 / yr |
| 40–49your band | $15 | $3,225 / yr |
| 50–59 | $26 | $5,590 / yr |
| 60–69 | $46 | $9,890 / yr |
| 70–79 | $85 | $18,275 / yr |
| 80 and over | $150 | $32,250 / yr |
Rates are flat within a band, which no insurer actually does. They are set at issue and do not rise as you age, which permanent policies genuinely do.
| Profile | Neuro | Whole body | Annual dues |
|---|---|---|---|
| Tier 1Member-run non-profit | $30,000 | $40,000 | $150 / yr |
| Tier 2Established non-profit | $85,000 | $200,000 | $620 / yr |
| Tier 3Full-service operator | $110,000 | $220,000 | $750 / yr |
Four numbers drive everything. The preservation minimum depends on scope and provider tier, plus whatever standby and international handling you buy. The annual dues are a flat subscription. The premium, if you fund with insurance, is the preservation minimum divided by a thousand and multiplied by a rate set by your age when the policy is issued. The membership period is the gap between your current age and the age you tell the model to run to.
The insurance route is the arrangement most members actually use, and it changes the shape of the bill entirely. You never write a cheque for the preservation itself. You write a smaller cheque every year, forever, and the insurer covers the large one when it is due. The total nominal outlay figure reflects that: under insurance it counts premiums and dues, not the preservation minimum.
Cryonics providers publish their minimums, and those minimums move. A static reference page that hardcodes a figure is wrong within a year and misleading for as long as it stays up. The three tiers here preserve the two things that matter for reasoning about the decision: the order of magnitude, and the roughly five-to-one spread between the cheapest whole-body arrangement and the most expensive one. Get a current quote from the provider before committing to anything.
The honest summary: for a healthy person signing up in their forties with insurance funding, this is a mid-hundreds-to-low-thousands-of-dollars annual commitment, sustained for the rest of their life, against an outcome of unknown and plausibly very low probability. Whether that is a reasonable purchase is a question about your own discount rate on very small probabilities of very large payoffs, not a question this calculator can answer.