A thing which scares me is, Ok you are insured. You plan your insurance company to pay your cryonics.
What if now you were hit by a bus or something, found you have cancer. Whatever. Now you died and.. I dunno
Insurance taking too long to pay for cryonics, your preservation is delayed?
Insurance decides that it needs to investigate something which causes you to be too late for cryonics or or they do an autopsy. We heard of it already.
They suddenly refuse for whatever reason to pay for cryonics and find a way to justify it in court?
This is the case for CI, and I expect it is the same for Alcor and KrioRus, though I'm sure an Alcor / KrioRus member will be happy to confirm or deny if asked:
The cryonics organisation understands that you have insurance to pay them, and has proof of this on file, periodically updated with validation that your insurance is still in force.
When deanimation occurs, they take action on the assumption that they will get paid later when the insurance pays out.
If it doesn't, in theory you're in trouble (in practice, I expect legions of people will leap to your aid, but I certainly wouldn't want to count on it). Any cryonics organisation would be really, really reluctant to remove you from suspension prematurely (psychologically viewing this as tantamount to murder), but legally reserve the right to do so in the case of non-payment.