Afterlife Insurance is a great idea, the Egyptians were into that big time, before all the other religions got into it, and a deceased PHB would make a great manager for the um, pyramid scheme.
@ChockFullOfNuts: I agree. I worked as a programmer and was never treated better than when I worked at a company for a consulting firm. I did the same work as I had before at other jobs where I worked directly for the employer. Just by being a "consultant", you will be treated as an "expert" in your field.