Just to reiterate, anyone who wants Life Time Insurance on a package, here are the prices for me (veteran backer):
All that you have to do is gift me a package or series of items from your account of equal worth, I liquidate them, buy the package you want, and gift it back.
I can also buy any ship listed on the left bar with LTI, but some of those (ie the Cutlass) are just the ship + LTI + bonus items, not with alpha/beta access.