Sooner or later, everyone's time must come. Of course you can forestall that day for quite some time with careful planning and cautious tactics, but let's face it: some day you're going to say the wrong thing to the wrong person, or find yourself in the Wasteland with not enough water, and it's hello, Reaper.
Fortunately, modern technology has allowed us to cheat the Reaper, through the use of cloning technology. One may purchase a clone at any one of a number of facilities around the city, and have it kept in storage to be activated upon your death. All of your memories and skills will be restored from your most recent visit.
Clones can be updated at any time, for a much lower fee than the original purchase, and it's best to update frequently so you don't 'lose' memories (or stats or skills). Upon activation, your cloning facility will send you a mail to notify you of the current date and the last date your clone was updated.