I love BIP 93, with its ability to store any secrets with super-high redundancy and natively handle multiple shares by hand. But I also love BIP 39 for the simplicity of 12 words, and the universality of the standard. I want a word scheme for BIP 93. It would be 20-23 words(depending on what scheme is used), but highly redundant. You could recover with 3 or 4 unknown words. Ideally the word list would avoid near-miss words, and be distinct from BIP-39 enough that it would likely be distinguishable, rather than relying on the strange number of words. Should this exist?

So, there's a place offering Bitcoin-denominated life insurance. Here's the problem though: they invest the funds to make return in *Bitcoin*. But there are few if any Bitcoin-native opportunities. We also know that Bitcoin's gains are in a handful of market days per year. IOW I cannot see a way of making "conservative" investments and outperforming Bitcoin, since such investments will be dollars. If it seems too good to be true ...