Cryopreservation funding guide for Europeans
Cost of cryopreservation:
Member vs. non-member
Non-member pricing
Member pricing
Flexible funding for every situation
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What is term-life insurance?
Term-life insurance provides pure death-benefit protection for a fixed period (e.g. 10, 20 or 30 years) in exchange for level premiums. You choose: Term length (number of years or target age) and Coverage amount (lump-sum death benefit ). If you die during the term, your insurer pays the full benefit, tax-free, to your named beneficiary.
How does it work?
Through VKB (Our insurance partner)
- We handle everything for you.
- Simply fill out the insurance application form we send.
- We’ll submit your form, manage underwriting, anand ensure VKB pays us directly to cover your cryopreservation.
Use your local insurer
Choose any term-life provider in your country. Designate Tomorrow Biostasis GmbH as beneficiary. This guarantees the death benefit flows straight to your cryonics plan, no matter which insurer you select. Below is a list of term-life insurers our members use in various countries. You’re free to use any provider you wish, t doesn’t have to be on this list.
Calculate your membership and insurance cost
What is a whole-life insurance? (Germany only)
Whole-life insurance provides lifelong coverage with fixed premiums. Part of each payment funds a cash-value account that grows tax-deferred.
How does it work?
- Lifetime Protection: Your policy never expires as long as premiums are paid.
- Cash Value: Builds guaranteed savings you can borrow against or withdraw.
- Key DisadvantagesCost: Premiums are far higher than term policies.
- Returns & Fees: Cash-value growth is modest and reduced by fees and surrender charges.
- Illiquidity: Accessing cash value may incur interest and reduce the death benefit.
VKB’s Kapitallebensversicherung
Versicherungskammer Bayern offers a classic whole-life plan with:
- Level premiums and guaranteed minimum interest on cash value
- Dividend potential based on VKB’s surplus
- Policy loans and partial withdrawals (Available only to German residents.)
What is a discretionary trust? (UK only)
A Discretionary Trust for cryopreservation is a specialized legal structure that serves dual purposes: covering all costs associated with your cryopreservation contract and providing financial resources for the trust owner if they are successfully revived in the future. The trust receives initial funding, uses portion of these funds to pay for cryopreservation services, then invests and grows the remaining capital over the storage period. If revival becomes possible, the accumulated funds ensure the revived person has financial resources to restart their life in whatever future time period they find themselves in, covering living expenses, adaptation costs, and other needs while trustees maintain discretionary power to allocate funds between ongoing storage costs and building this revival fund based on changing circumstances. The discretionary trust offers UK residents the most flexible and tax-efficient way to ensure your cryopreservation is properly funded, even decades into the future. Unlike direct arrangements, discretionary trusts adapt to changing circumstances, technologies, and legal requirements over the extended timeframes that cryopreservation requires.
Why choose a discretionary trust?
- Future-Proof Protection: Trustees can adapt funding decisions as cryonics technologies and requirements evolve over potentially centuries of storage.
- Tax Efficiency: Properly structured trusts provide significant inheritance tax advantages while keeping funds ring-fenced for cryopreservation.
- Professional Management: Experienced trustees make informed investment and distribution decisions without rigid beneficiary constraints.
How does it work?
- Professional Setup: Working with solicitors experienced in trust law and future-oriented planning, you'll establish a robust legal structure for cryopreservation funding.
- Funding Strategy: Most clients fund through life insurance policies owned by the trust, ensuring immediate fund availability upon legal death while maintaining tax efficiency.
- Long-term Management: Trustees manage investments and distributions according to your wishes, adapting to technological advances and changing circumstances.
Key Requirements
- Multiple potential beneficiaries to meet UK legal standards
- Professional trust deed outlining objectives and trustee powers
- Ongoing compliance with UK trust taxation and reporting
Key Requirements
This guide is intended as a general overview only and does not constitute legal or financial advice. Discretionary trusts are complex legal arrangements, and the rules can vary depending on your circumstances, the nature of the assets, and evolving UK laws. We strongly recommend speaking to a qualified solicitor or trust specialist to ensure your trust is properly structured and compliant. Select this option in our funding setup form for further guidance, or to connect with professionals experienced in cryopreservation planning.
When to fund cryopreservation directly?
Pre-payment is a direct funding method where individuals can pay Tomorrow.bio directly for cryopreservation services, bypassing traditional insurance or trust arrangements. We accept pre-payment when a patient has a confirmed medical prognosis with life expectancy of less than 12 months. Direct payment when a patient is in critical condition or has recently passed away and immediate arrangements are required. These funding options provide certainty for cryopreservation services during time-sensitive situations when traditional long-term funding methods may not be practical or sufficient to secure the necessary services.
What do we mean with alternative funding method?
Alternative Funding Methods encompass any payment arrangements that don't fit our standard categories but can provide immediate liquidity prior to cryopreservation procedures. These are evaluated on a case-by-case basis, requiring a consultation call to assess the feasibility and structure of the proposed funding approach. If you select this option, our team will schedule a discussion to explore your specific circumstances and determine whether your proposed method meets our operational requirements.
DISCLAIMER
Need help deciding?
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Your questions, answered
What is the most common way to fund cryopreservation?
The most common approach is term life insurance. With this option, you take out a policy that pays out a fixed amount in the event of your death. Tomorrow.bio is listed as the beneficiary, ensuring the payout covers the required procedures and storage. Term life insurance is often affordable, especially if arranged early in life, and provides peace of mind that your funding is secured. If the policy expires while you are still alive, you can renew it or explore alternative methods to maintain coverage.
Is it possible to pre-pay directly instead of using insurance or a trust?
In certain cases, Tomorrow.bio allows direct pre-payment of the required fees. This option is generally offered to individuals who are terminally ill, elderly, or otherwise unable to secure life insurance. Payment is made in advance once specific criteria are met, ensuring funds are secured for immediate or near-future use. This method avoids dependence on insurance providers but may not be available to everyone. Contact us at support@tomorrow.bio for more information.
What if my situation doesn’t fit these standard options?
We understands that each person’s financial and legal circumstances are unique. If the usual methods - term insurance, whole life insurance, trusts, or pre-payment - do not suit you, it may still be possible to arrange an alternative funding solution. These are handled on a case-by-case basis to ensure they meet operational requirements and provide the necessary security for your preservation. If you’re unsure which method works best, Tomorrow.bio offers consultations to guide you through the process.
