Backup Twin: What you acquire when your incarnation insurer thought you were dead, but it turns out you weren’t.
(They do try very hard to not let this happen, but the trouble is, the more checking you do, the more time you get to stay dead for if you are, in fact, dead under difficult-to-ascertain circumstances rather than simply missing.
Choosing exactly where you want the balance between the risk of staying dead and the risk of acquiring a twin is one of those things you just have to do when you buy incarnation coverage.)
This looks like a lovely opportunity to create another piece of (fan?)fic, showing the RL implications of mutually discovering your backup twin.
/me prays “Don’t tempt me, please don’t temp me!”
This sounds like a specific example of a broader question: if you accidentally instantiate a fork of yourself, what do you (plural) do?