@OmSigDAVID,
Perhaps you and Lloyds could work up a proper schedule.
Is the value to be derived of the life saved? Which factors to consider? Age? Size of extended family? IQ? Or would a flat rate be best?
Perhaps effort of the lifesaver should be considered. Education? Hourly? Unique skills? Personal risk?
To whom will be ascribed recourse for failed life saving attempts?
Will I be entitled to a second opinion?
Single payer system? Would I be able to opt out?