EP pg 330
Backup Insurance: In the event of verifiable death, or after a set period of being missing, backup insurance will arrange for your cortical stack to be retrieved and your ego downloaded into another morph.
Right. What morph? A morph comparable to the one that I lost? Usually that's the idea with insurance: reimbursement for your losses, but in this case maybe it's just insurance against death. So do you get a comparable replacement? Do they just put you in a vanilla splicer, or a case, or an infomorph? Is that the difference between low and moderate cost per month? If you do get a comparable replacement, what if one isn't available? Do you get the difference in credits, or do you just get a "rental" until a comparable one can be grown/fabbed?