The present invention relates to including the invention in Key-Person, Term Life, or Critical Illiness Insurance policies to provide potential life-saving and health enhancements in addition to the death benefits covered under existing policies. The collection, processing and cryo-preservation of adult stem cells from any adult source, taken from peripheral blood, umbilical cord blood, bone marrow, adipose, heart, muscle, skin, nasal, liver, kidney, pancreas, testes, or other adult sources can also be used as a rider to insurance policies or to the in-benefits for the sale of products or services. The resulting method will substantially reduce the costs and extend premium payments for insurance companies as payouts for death benefits on Key-Person, Term Insurance, or Critical Illiness Insurance policies will be markedly reduced as therapies extend the life of the insured.