To increase your chances with that issue, you pay for 10 years once, and then every year extend it by 1 year, giving you 9 years grace period in the worst case

To increase your chances with that issue, you pay for 10 years once, and then every year extend it by 1 year, giving you 9 years grace period in the worst case scenario (I don't know how but my providers allowed me to even stretch it to 11/10 years). If you're in a coma for 9 years that puts you on Wikpedia list of longest comas, so not really an issue. And if falsely imprisoned for that long, I think you can arrange something within that period to extend it.