Creator & director : email rick_potvin@yahoo.com Cryonics-for-Connectomes or Connectome-Cryonics are equivalent terms for CryoConnectomics or cryoconnectomics. It's now the only cryonics that matters and it has not yet been proven viable-- but it's urgent to do so. It can also potentially falsify the entire cryonics thesis. It is to be distinguished from plastination, uploading and A.I. which is NOT cryonics and is of no interest to cryonicists qua cryonicists. Many cryonicists are also uploaders or transhumanists but cryonics itself is not interested in uploading by definition but rather reversible suspended animation which does require proof of survival of connectomes through vitrification. WAS MUHAMMED ALI FROZEN??? --- Rick Potvin along with Channel 5 in Phoenix will find out! -----Stay tuned!
 


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LIFE INSURANCE - ...mostly does NOT pay out.?

April 29 2013 at 4:55 AM
Rick55  (Login recreation)
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Almost 85% of [US life insurance] term policies fail to end with a death claim; nearly 88% of universal life policies ultimately do not terminate with a death benet claim. In fact, 74% of term policies and 76% of universal life policies sold to seniors at age 65 never pay a claim.

http://www.google.com/search?client=safari&rls=en&q=most+life+insurance+never+pays+out&ie=UTF-8&oe=UTF-8

A death benet is not paid on most policies. For term policies that oer coverage over a xed number of years, most are lapsed prior to the end of the term; a majority of permanent (e.g., whole life) policies are surrendered (i.e., lapsed and a cash value is paid) before death.

Insurers make substantial amounts of money on clients that lapse their policies and lose money on those that do not. Insurers, however, do not earn extra-ordinary prots. Rather, lapsing policyholders cross subsidize households who keep their coverage.


Real premiums decrease over time (i.e., policies are front loaded) rather than increasing with age in a manner more consistent with either actuarially fair pricing or optimal insurance in the presence of reclassication risk where new information about mortality risk is revealed.

While consumers correctly account for mortality risk when buying life insurance, they fail to suciently weight the importance of background risks. Since consumers do not anticipate the need to lapse, this front-loaded policy appears to be cheaper than a policy that is actuarially fair each period. The introduction of a secondary market undermines this cross-subsidy by oering lapsing households better terms relative to surrendering. (more)




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Rick55
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My own universal life for Alcor was going to increase my payments in 2020.

April 29 2013, 4:57 AM 

I can't afford to increase more payments down the road. The policy should have accumulated enough value by now to pay for itself. Instead, I was told payments will only increase in the future.

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Rick55
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CI won't even get my 50K policy -- I'm not interested in increasing premiums over time...

April 29 2013, 4:58 AM 

...for a policy that should be paid off at some point. I was told it'll never be paid off.

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Rick55
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Bill Falloons paper at A40 steers members to buy MORE life insurance-- for reanimation.

April 29 2013, 4:59 AM 

It never ends.

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Rick55
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Accumulated bequest money of wealthy cryos ends up in dead hand trusts NOT in cryonics.

April 29 2013, 5:01 AM 

Wealthless members like me end up DISPROPORTIONALY funding cryonics while wealthy cryonicists-- mostly Jews (who are neandertals)... point their bequest into perpetual trusts never to be seen by cryonics. Cryonics turns out to be nothing but a front of some sort. It didn't have to be-- but that's what happened to it.

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Rick55
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THE ENTIRE IDEA of FUNDING CRYONICS POLICIES with Life insurance is BOGUS... because...

April 29 2013, 5:05 AM 

...because it turns out life insurance is bogus... especially the policies recommended.

quote
4. Whole life/universal life. Life insurance is a tool, not an investment. With whole life/universal life insurance, you will pay a higher premium with the promise that the company will take those extra dollars and invest them for you. The problem is that this type of insurance is very expensive. The investments dont grow because the expenses eat up your interesthttp://money.usnews.com/money/blogs/my-money/2012/07/12/4-life-insurance-policies-you-should-never-buy

n 29 years as a financial planner, Ive yet to see whole life or universal life pay off for any client. Often, people have little to show for such policies other than the money they paid in. Whole life and universal life policies are the reasons why life insurance companies can afford big buildings and Super Bowl ads. The only time these policies make sense if you have an estate-tax problem but this is a subject beyond the scope of this post.

Life insurance is a very important tool. When you use it for its intended purpose, its great. That means you should look to term life to cover your family protection needs. Ignore the slick sales gimmicks of guaranteed life, life insurance or children, travel and accident insurance, and whole life/universal lifehttp://money.usnews.com/money/blogs/my-money/2012/07/12/4-life-insurance-policies-you-should-never-buy

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Rick55
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CASH value of policy I paid into for years is 1/3 of total payments?

April 29 2013, 5:07 AM 

How does that even make sense? It's basically one thing... and one thing alone-- THEFT... just like the Alcor membership dues when you interepret those dues as accumulations from members who Alcor knows will just be CHURNED through... to be replaced by newer younger members-- a topic unperson covered in New Cryonet, now locked to the public who can no longer read those posts.

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Rick55
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What happened to 2/3 of my money? -- this is far WORSE than Stockgeneration.

April 29 2013, 5:15 AM 

?

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Rick55
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Term policy where you get all your money back

April 29 2013, 5:16 AM 

David Sharpe of Los Angeles is forking out $11,240 a year in premiums for term life insurance, but he isn't sweating the payments. He's counting on getting all of them back after the policy expires in 30 years, assuming he's still alive--a total of $337,200 tax free. At 34, the personal agent and manager says, "It is my intention to live well beyond the 30 years that my insurance covers.http://www.financialwellbeing.org/returnofpremium.html

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Rick55
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Christians vs. Jews in cryonics--- they don't mix and never will--

April 29 2013, 5:19 AM 

Until there is a christian (anti-jew) cryonics operation, there really is no point in being involved in cryonics. Jews are obsessed with money control to the point where nothing real ever gets accomplished. They subvert everything they touch.

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Rick55
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I think Rudi is a Jew-- body shape-- Never buy insurance from him

April 29 2013, 5:21 AM 

[linked image]

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Rick55
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Dave Pizer is a Jew-- NEVER take life insurance referrals or advice from him

April 29 2013, 5:22 AM 


 
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Rick55
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Barrel chested Dave Pizer similar to Kissinger body shape-- neandertal.

April 29 2013, 5:27 AM 

[linked image]

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Rick55
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Pizer's twitter account.

April 29 2013, 5:32 AM 

https://encrypted.google.com/search?q=dave+pizer&num=30&newwindow=1&safe=off&hl=en&gbv=2&prmd=ivnso&source=lnms&tbm=isch&sa=X&ei=nmd-Ue6JL-aWiAKCpoHoBQ&ved=0CAcQ_AUoAQ

https://twitter.com/davidpizer



Tweets
david pizer @davidpizer 20 Feb
Why doesn't WPT allow members to communicate quickly with them when there are problems or questions?
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david pizer @davidpizer 20 Feb
Why doesn't WPT create a way for its members to be able to communicate when there is a problem?
Collapse Reply Retweet Favorite More
11:33 AM - 20 Feb 13 · Details
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david pizer @davidpizer 27 May
@BBCClick
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@twitter
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@BillGates
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@ScienceNewsOrg
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@nytimesscience
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@ReutersScience
Cryonics Conference in June
pizerdavid@yahoo.com
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@RichardDawkins
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@Darwin2009
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@TheScienceGuy
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@wiredscience
Cryonics Conference in June
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
@Discovery
Cryonics Conference - June 1,2,3
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
Don't die
Attend the Cryonics Conference
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david pizer @davidpizer 27 May
Cryoniics Conference June 1,2,3
Mayer Arizona
pizerdavid@yahoo.com
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david pizer @davidpizer 27 May
Cryonics Conference presenters:
Mike Darwin
Cairn Idun
Mike Perry
Mark Voelker
Mark Plus
David Pizer
pizerdavid@yahoo.com
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david pizer @davidpizer 17 Mar 12
Need information on cryonics = ask me.

We are having a cryonics conference on June 1,2,3 in Mayer Arizona. Ask me for more details.
Expand
david pizer @davidpizer 23 May 09
yesterday when i was driving home.a helicopter fell out of the sky and barley missed my car and exploded right in front of me.
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david pizer @davidpizer 22 May 09
need a new home just opened at creek side pizer realty come see my website www.creeksidepizerrealty.com

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Rick55
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Dave's followers-- LOTS of them despite Daves few useless repetitive posts-- how is this?

April 29 2013, 5:35 AM 


david pizer
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Cryonics - Life Extension Advocate. Need info on cryonics = ask me.
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Rick55
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Dave followers WORLD POKER TOUR--

April 29 2013, 5:37 AM 

World Poker Tour @WPT

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Rick55
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Dave follows this guy-- who says TAX WALL ST>

April 29 2013, 5:40 AM 


 
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Rick55
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Jews are not smarter but they NETWORK secretly-- which Gentiles FAIL to do--

April 29 2013, 5:24 AM 

The secret to Jew "success" (suck-cesspool)... is their parasitic secret networking.,.. not higher IQ.

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Rick55
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SOURCE-- Paul Wakfer--and Alcor membership forum ***

April 29 2013, 5:14 AM 

see that forum but beware Wakfer is a Liberterian so has no problem with perp trusts.

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