Well if you plan to lease the car for the rest of your life, however long that ends up being, then yes the number of years left in your life determines how much

Well if you plan to lease the car for the rest of your life, however long that ends up being, then yes the number of years left in your life determines how much it is going to cost you. This comparison breaks down in a few ways: with the car, I realise the value of it immediately, as I get to drive it around, whereas for a service that only activates on my death, the value is only _potential_ until that actually happens. Also, I can terminate my car lease and feel OK about it, I have already realised value, it did its job. If I pay for this service for a year, but I don’t die, have I realised any value? Maybe marginally in the peace of mind I will feel while alive, but there’s no arguing that the optimal way for me (or more realistically, my estate) to get the most value for money is to buy just one year of service, and then kick the bucket in that same year? Edit: I’m not saying any of this necessarily wrong, it’s just a really interesting quirk of pricing incentives