http://www.alcor.org/cryomyths.html#myth2
(Also, just in case any young people on HN think they have no chance of dying, add up a decade of 'Death probability' on http://www.ssa.gov/oact/STATS/table4c6.html )
(Also, just in case any young people on HN think they have no chance of dying, add up a decade of 'Death probability' on http://www.ssa.gov/oact/STATS/table4c6.html )
Exhibit A: http://www.cdc.gov/injury/wisqars/pdf/Death_by_Age_2007-a.pd...
Exhibit B: life insurance companies collect a lot of data from you, and no company will price a 21 year old anywhere near 0.1%.
I shouldn't have to address homicide. I'm from the Baltimore area -- I know exactly who that age group is weighted by and I'm not concerned about dying by homicide.
I'm not going to commit suicide.
Malignant neoplasm (cancer) is unlikely. I'm low on risk factors and don't have a high genetic propensity. I'm also in the fortunate position of having a better knowledge of my medical risk factors than most people because I'm from a family of doctors.
Your second example isn't even a real example. You have no data, you're just making a claim. As far as life insurance goes, I doubt they collect extremely accurate statistical data. It's not in their best interests to lower their premiums so I would expect any life insurance policy to be heavily weighted in their favor.