In JTAS 14 we find Finding Immortality by Adrian Tymes. He has obviously read Agent of the Imperium but not T5.
I am the named individual. I read both Agent and T5 prior to writing that article (which was originally to be part of SOM, but Mongoose preferred to put it in JTAS, which decision I have no qualms with).
Now while the destructive brainscan may have been necessary at TL12/13 the rules in T5 are very clear.
During character generation you can muster out with an insurance package.
In T5. yes. In Mongoose, no. This content was written for Mongoose. This was not the only case where I found Mongoose and T5 to be in conflict. In such situations, the views of the publisher I was writing for (Mongoose) won out.
Also note that this particular article, while it implies game rules, is not itself game rules. This article itself does not directly change character generation or other mechanics.
Now, if you want insurance packages (as a mustering out option or otherwise) in YTU, you can totally do that.
Since I'm posting on the topic anyway: given as the math works out to having 5-6 clones around at a time (for TL13 forced-growth cloning yourself, spending a month in each host), one of my art suggestions was for a Paranoia reference, depicting one of the "very tightly knit small ship crews" mentioned in the article as something akin to a Troubleshooter team - though practicing the exact opposite of the backstabbing, by necessity.