All religions in our world teach us that the soul is the sum of a human being and is eternal. It is a metaphysical form that exists separate from the body, and yet is intrinsically tied to it. The body is the shell that our souls inhabit in order to interact with the physical world. These shells are called avatars, for they house our souls and protect it from outside forces. When our avatar dies, our souls depart to the spiritual realm, no longer having the shell to anchor it.
Technology has reached a point in which our souls can be transferred to different avatars. Various shells can be made of an individual through a magically chemical process. If a person dies before their rightful time (i.e., accident or misadventure), their soul immediately transfers to an alternate avatar, and the person wakes up in their new body within seconds. Private insurers offer this option to their customers. There are certain rules to this system:
The avatar must be a genetic clone of the original, or the soul would not be compatible with it.
This process isn't a form of immortality and doesn't protect from aging. While the body may be in perfect condition, souls have an expiration date in this life, and it carries its years with it from the old avatar to the new one.
Avatars are tattooed with a magical rune that the soul uses to link to it after death, allowing the transfer to take place. Wherever a person happens to die, the soul can use that rune to transfer itself anywhere in the world.
There are problems with this system. Cloning an individual is relatively inexpensive due to advances in technology to the point where it is no longer exclusive to the rich. This can cheapen the importance of life in many ways. Murder or torture would not be as serious a crime as it is today, as a person would simply be transferred to their new body. This could also encourage people to be more reckless and take dangerous risks without thought to the consequences, as careless mistakes can be solved by slipping into a new avatar. Some people may simply want to experience what death is like, or kill themselves when in pursuit in order to escape law enforcement or prison.
I want this cloning process to be used as a last resort, as a form of private insurance. Say if someone suffers a grievous injury that medical science cant fix, or contracts a terminal illness that can't be cured, this would be an option. How can I make this possible?