Q: How does this work?
A: Current scientific theory states that Time Travel may be possible, however the technology is a long way off, perhaps hundreds of years in the future. Now, assume it does become possible in say, 500 years. As with any technology, Time Travel will get less expensive as time goes on. Just as the price of a VCR has dropped to less than $70 from the several hundred dollars it cost just ten years ago, Time Travel, once it becomes feasible, will initially be very expensive yet it will become more and more economical as time goes by.

Q: How does this help me?
A: The concept is that one day, it may be possible for people living far in the future to retrieve you from your current frame of reference (their past - your present) and bring you into the future (their present - your future.)

Q: Why would they want to?
A: That is the purpose of the fund. The simple answer is, we pay them to bring you into the future.
...because, y'see, there's a definite shortage of dim-bulbs in the future...

Q: Are there any restrictions?
A: Yes, several: You will not be retrieved if you die by suicide. Sorry, but we don't want your family blaming us for you killing yourself because you think you will get to the future sooner. You will not be retrieved if you die by execution, or are killed in the process of, or the result of, committing a crime. You are responsible for your actions, and the fund is not an excuse for you to take your frustrations out on society. (Note: You are not automatically excluded if you are the victim of a crime.)

There are no guarantees. None whatsoever. This is pure speculation, but it is a chance. Should something happen such as the people of the earth bombing themselves back to the stone age, you probably won't be retrieved. The fund is a chance to visit the future, not a guarantee. If you want a guarantee, go buy a savings bond and wait for seven years.