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To readers of TheLifeTank.com:
2023, happy new year.
In the past year, economic recession expectations seem to have become the main theme of the market.However, the economic downturn is an overall problem faced by the whole society, not a challenge faced by the US life insurance industry alone.
in the new year,American Life Insurance GuideCommunity (English name:The Life Tank) summarizes the keywords of the year for the past year:challenge.
In 2022, with the rapid development of basic science and technology, the impact of new commercial products will pose new challenges to the existing social system and the life insurance industry.This article isAmerican Life Insurance Guide©️The editorial team concluded that due to the remarkable progress of science and technology, there are two new challenges brought to the life insurance industry.
Challenges posed by molecular nanomedicine
Cryonics technology is an experimental medical technology that preserves the human body at a deep cryogenic temperature in order to use advanced medical technology to thaw, revive and obtain treatment in the future.
©️Star Trek cryonic chamber
Research on this technology has continued for centuries and has long been considered the key to interstellar travel.This is a picture seen in science fiction movies, where interstellar travelers freeze themselves, spend a long flight, and then thaw out to "resurrect".
At present, the freezing and resuscitating of human embryos has already been specifically applied in the field of commercial medicine.The development of cutting-edge molecular nanomedicine technology has also made human cryonics technology officially put into commercial application.
according toThe Life Tank©️According to the research data, there are 200 bodies and brains—including some celebrities (such as: Marvin Minsky, founder of MIT artificial intelligence laboratory in the United States; Du Hong, a science fiction writer in Chongqing, China, and editor and reviewer of "Three-Body" etc.)— —Cryopreservation in a storage facility in Arizona, USA, waiting for the day of "resurrection".
Cryogenic chambers in sci-fi movies
The current policy of U.S. life insurance companies is to still settle claims for such "deaths", and commercial cryonics institutions are currently also recommending the use ofLife insurance claims, to pay for freezing costs.
With the development of cryogenic regeneration technology, the definition of "death" may be rewritten, and life insurance companies are facing new challenges.
Since 2023,American Life Insurance Guide Community©️Provide cryonics application and corresponding life insurance services for specific customer groups.
Challenges posed by artificial intelligence
Traditionally, life insurance has been thought of as an industry that revolves around "death".
In the past thousands of years, human intervention in death and the development of medical technology were mainly based on the behavior of "delaying" death.In modern times, life insurance companies also have great economic motivation to promote the development of basic medical technology and prolong people's average life expectancy.
The first challenge to the life insurance industry is the emergence of euthanasia (physician-assisted), which is completely opposite to "postponing" or "delaying" death. At the beginning of its appearance, it challenged the rules of the life insurance industry.
Tradition: Physician-Assisted Injecting Medication Aids Euthanasia
Over the ensuing decades, the entire American society and the life insurance industry continued to adjust and adapt to these challenges.Although still controversial, physician-assisted euthanasia is already legal to a limited extent in the following eight states in the United States:
- Oregon
- Washington State
- Montana
- Vermont
- California
- Colorado
- Hawaii
- New Jersey
- Texas
In the life insurance industry, which is also constantly undergoing self-adjustment, a general consensus has been reached that "physician-assisted euthanasia" is not suicide.Therefore, if a euthanasia decision is made, it will not affect the claim settlement of the life insurance policy or annuity policy.
The emergence of artificial intelligence AI has once again challenged the rules of the life insurance industry.
Despite years of social evolution, the life insurance industry and "physician-assisted euthanasia" have reached a consensus.However, the emergence of the brand-new "AI-controlled euthanasia" may once again challenge the standards of the life insurance industry.
Instead of seeking assistance from doctors, customers are turning to artificial intelligence. According to the user's questions, AI helps the user make a "life and death" decision, so that the whole process does not require additional "medical assistance".
New method: AI-controlled euthanasia aids via nitrogen injection
In the past, this sounded like the content of a science fiction movie, but with the emergence of user demand for "AI-controlled euthanasia", this type of product has entered reality, and it is said that it has ushered in the first user.
Does this type of autonomous life-death system controlled by artificial intelligence constitute a "life-and-death system"?suicide", has not yet been determined, but there is no doubt that the entire society and the life insurance industry need a new round of time to continuously adjust and adapt to this new challenge.
——TheLifeTank.com editorial team (full text)
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