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.)
Death Is Not Permanent: The entire purpose of the noetic backup and reinstantiation technology. And given that people can keep redundant backups spread out across multiple star systems (a standard feature of your incarnation insurance), actually inflicting permadeath on someone is really damn hard. Death Is Less Expensive, too, since while keeping a clone-body of yourself on standby is a premium service, walking around in an off-the-rack body – or just living as an infomorph – while they grow you a new custom job is less so.
(It’s got a lot cheaper since the first people did it for, oh, a few billion esteyn.)