Student Membership & Suspension Plan
The student membership plan of the American Cryonics Society is a low-cost way
for people still in school to be covered for cryonic suspension, should the need
arise. Information on this plan is presented in the following Question and
Q: Why should I enroll in a suspension plan now? I am young and healthy
and should live a long time.
A: There are at least three reasons young people enroll:
Q: Isn't Cryonic Suspension very expensive? I don't have much money, and
what money I have I want to use to further my education.
1. accidental death (the prime cause or mortality in young people) can occur at
2. health conditions may develop which make it impossible or difficult to obtain
a life insurance policy (most people use a life insurance policy to finance
their own cryonic suspension);
3. your membership in and continued support of the American Cryonics Society
helps us to stay in business and engage in research and provide information on
cryonics which, in turn, will help you whenever you are suspended.
A: Yes, cryonic suspension is relatively expensive. However, most people
use a life insurance policy to fund their suspension, which for a younger
person, is very affordable.
Q: How expensive and how affordable?
A: Minimum funding recommendations by the American Cryonics Society for
plans offered by our organization range from $45,000 through $135,000. While we
are not legally allowed to quote insurance rates (consult your insurance company
or insurance agent) we can give you an approximation. Student may pay in the
neighborhood of $60 to $150 a year for a term life insurance policy for this
coverage. Most insurance companies allow payments to be made monthly, annually,
semi-annually, or every three months.
Q: Is the cost of insurance the only cost for me to be signed up to be
A: No. Students also pay a membership fee of $55 per year.
Q: What are the qualifications to be eligible for this membership rate?
You must be enrolled as a full time student at a college, university or trade
school to qualify for this significantly reduced rate.
Q: Must this $55 be paid all at once?
A: Yes, since this rate is so low, we require it be paid in one payment.
Q: Is anything else expected of me in order for me to get the benefits of
A: Apart from providing the funding (usually by way of life insurance) and
paying our $55 per year membership, nothing more is required of you. Of course
we do encourage you to participate in the affairs of the American Cryonics
Society. We want you to participate in student membership forums (usually by
e-mail or phone) and to be willing to discuss issues connected with cryonics
suspension with other students and (sometimes) with other non-student members or
Q: When I graduate I may not be able to get a job right away. If I still
can't afford to pay full membership dues, can I continue to pay at the $55
A: The student discount applies for a full year from the time you graduate
or otherwise leave school. After that, you pay the full membership dues. While
we expect our members to pay their dues in a timely fashion, the American
Cryonics Society is accommodating to members who have temporary financial
Q: How much will the dues go up after I graduate?
A: Currently dues for full members (people who are signed up to be
suspended when they die) are $300 per year. There is also an initiation fee of
$76 per year which is paid off in four yearly payments. In other words the
member pays $376 per year for the first four years, then $300 per year after
that. There is also a monthly membership payment plan where you pay $35 each
Q: I see on your membership application that you also have a membership
plan which is called "LifePlus." It costs $1,000. Are there extra benefits for
enrolling under this plan?
A: After you graduate, you may with to enroll under this "LifePlus" plan.
Under this plan you pay your initiation fee all in the first year so your dues
are just $300 per year after that. There are no special benefits to the LifePlus
plan. People who choose it do so to show their support of cryonics and the
American Cryonics Society.
Q: Do you guarantee that when I graduate the dues will still not go up
A: No. The Board of Governors of the American Cryonics Society decides what
dues should be and can vote for dues increases as needed. However, the people on
the Board of Governors are all members themselves and are elected by other
members. They are not going to raise dues unnecessarily.
Q: $300 per year sounds pretty expensive. Why do you charge so much?
A: Currently there are not very many people who are members of cryonics
societies. Yet the suspension services we provide are substantial and expensive.
We also sponsor research, publicize cryonics, and administer trusts and special
Question: Are dues from members your only source of income?
A: While dues are very important to our operations, we also receive
donations from members and the public in general. We encourage our members to
donate to ACS, just as they support other worthy causes.
Q: Am I allowed to be on the Board of Governors of the American Cryonics
Society and to vote in your annual general election?
A: Under the $55 per year student membership plan you are an Associate
member of the American Cryonics Society with the privilege of participating in
the suspension program.
Q: What must I do to be eligible to vote and serve on the Board of
A: In order to vote and serve on the Board you must be a Full member of our
organization. Upon graduation, students then "graduate" to full membership and
pay the regular annual dues which are currently $300 per year, after payment of
the initiation plan.
Q: I want to vote and be eligible to serve on the ACS Board of Governors
while I am still a student. Is there anyway I can do this and still only pay $55
per year under your student membership plan?
A: Yes. By paying our full membership initiation fee now, or agreeing to
pay it over the next four years, you immediately become a full member of the
American Cryonics Society with all membership privileges. There are two
initiation fee payment plans: $1,000 payable in one installment (this includes
first year's membership), or $76 per year payable for four years. The $76
payment is in addition to the annual $55 student membership fee.
Q: I am currently a full member of the American Cryonics Society thinking
about going back to school. When I become a student again, will I be eligible
for the student plan? If so ,will I lose my voting privileges?
A: When you go back to school just notify us that you have done so, and we
will reduce your dues to the $55 yearly payment. If you have paid your
initiation fee, under either of our two initiation payment plans, then your
voting privileges (and eligibility to serve on our board) will remain.
Q: Apart from not being eligible to vote, unless I have paid an
initiation fee, are there any other restrictions which apply to the student
A: Yes. Students may not use a trust to fund their suspensions. This is
because when a member funds through a trust, which he establishes now, there may
be additional legal and administration expense for us to review this trust and
determine if the trust provisions are acceptable. Students may fund their
suspension through insurance, annuities, or by pre-payment. Of these methods,
funding with a life insurance policy is by far the most frequently used.
Q: How do I apply to get an insurance policy to fund my suspension?
A: Almost any life insurance agency can sell a life insurance policy to be
used to fund an individual's cryonic suspension. Have your agent call us and we
will discuss any special considerations for use of the policy to fund
Q: What are the "special considerations" for my insurance policy to fund
A: A complete discussion of life insurance for cryonic purposes is beyond
the scope of this brief paper; but, put briefly, here are some of these "special
considerations:" 1. the proper beneficiary designation; 2. Double indemnity
rider not recommended; 3. understand any conversion provisions.
Q: I don't have an insurance agent. Can you recommend one?
A: In some cases we can refer you to an agent who has had previously sold
policies to people for cryonics.
Q: Can you recommend an insurance company?
A: While we don't specifically recommend any insurance companies, we can
tell you the names of some companies which have written insurance policies for
some of our members. Call us at our home office, or contact the Director of
Student Affairs, for this information. (I should know this info in case a
student wants to know)
Q: Your application package includes a form for me to also become a
member of Medic Alert. Why is this necessary and how much does it cost?
A: Many ACS members wear medic alert tags.
Q: Where can I get the Membership Applications to Participate in the
American Cryonics Society Student Membership Plan.
A: Write, phone, e-mail or stop into the ACS office in Northern California.
Student Membership Director
Email: Kelly Moy at
Visit us at: 1901 Old Middlefield Way, #1, Mountain View, CA 94043
Mail to us at: P.O. Box 1509, Cupertino, CA 95015
Toll Free Number: 1-800-523-2001 or
FAX (650) 254-0128
Q: If I have questions about cryonics or the Student Membership Plan, who
should I contact?
A: The Director of Student Affairs, Kelly Moy, can answer questions about
the Student Membership Plan and the Suspension Services available through the
American Cryonics Society. Questions concerning funding through sources other
than insurance polices, and for information on trusts should be directed to the
ACS mailing address.
American Cryonics Society, Inc.
P.O. Box 1509
Cupertino, CA 95015