The following insurance agents have experience in providing life insurance products for Alcor members. Please feel free to give us feedback on your experiences with them, as well as other agents and insurance companies you may encounter. Note that this does not imply an endorsement and/or recommendation by Alcor of these persons, nor does this list in any way imply that these persons endorse or personally subscribe to the idea of cryonics.

Michael A. Flower
Financial Principles, LLC
310 Passaic Ave. #203
Fairfield  NJ 07004

Phone: 973-582-1004
Fax: 973-582-1001


Rudi Hoffman (Alcor Member)
Certified Financial Planner,
Investment & Financial Services
P.O. Box 290549
Port Orange, FL 32127

Phone: 1-800-749-3773 · 386-788-3773
Fax: 386-322-1979


Licensed in most states, including CA, AZ and TX

Frank Di Meglio, CLTC
Northwestern Mutual
731 Alexander Rd Suite 300
Princeton NJ 08540

Mobile Phone: (609)- 439- 8925
Office Phone: (609) 750 7711
Fax: (609) 951 8788


Ben Archer
State Farm Insurance Company
12117 Bee Cave Road
Austin, TX 78738

Office: (512) 263-5565
Fax: (512) 263-5484


Languages: English & Español

In Canada contact:

Ray Zadrey
Certified Financial Planner
Oaktree Wealth Strategies
100, 10630 - 178 St
Edmonton, AB
T5S 1H4

phone: 780-278-7710
fax: 1-866-764-6598



In the UK contact:

Chris Morgan
Unusual Risks Mortgage & Insurance Services

8 Kings Road, Honiton, Devon, England, EX14 1HW

Telephone: +44 (0) 845 474 3075

UK based financial advisers with specialist knowledge of Insurance for the purpose of funding Cryonics. Visit their web page here for details of services and free Cryonics and Insurance Fact Sheet.


If you are using life insurance to fund your cryopreservation, ensure that your agent is aware of these policy requirements:

  • The insurance provider must be rated A- or better by A.M. Best (
  • Alcor Life Extension Foundation must be named as the owner and beneficiary of the policy (See Buy-Back Agreement for confirmation that Alcor's rights as the owner are both limited and revocable)
  • Alcor will need a complete copy of the policy, from the face page to the last rider, including the policy illustration and application
  • With the exception of billing statements, all notification regarding the status of your policy (lapse notices, annual summaries, etc.) must be sent to Alcor
  • The death benefit amount must satisfy your minimum cryopreservation amount (See Schedule A)
  • Alcor recommends that you overfund your policy by at least $25,000 to cover unexpected contingencies, the cost of which may be additional to the minimum fee for cryopreservation.

Diane Cremeens, Alcor Membership Department Coordinator, is available to address any questions regarding these requirements ( or 480-905-1906 ext. 132)