Stem-cell insurance: "True" life insurance for the 21st Century

Advances in medical science have paved the way for a new line of life insurance for the 21st Century designed to save the lives of policy-holders rather than provide financial security for beneficiaries. Stem-cell insurance surely will breathe excitement into the group insurance market, empower employees and make benefit managers look heroic for fostering a caring corporate culture. Here is how it works: At-risk workers would have the option of banking their own healthy stem cells for later use in potentially life-saving medical procedures. The same thinking would extend to people who are concerned about a genetic predisposition for developing fatal diseases. While the topic is timely, benefit decision-makers will learn that this new creation has nothing to do with the ethical controversy surrounding fetal stem cells.