A Stand-in for Dying by Rick Moskovitz
In a near future world on the brink of environmental catastrophe, a mysterious woman brokers an anonymous pact between two men for the older man Ray to inhabit the younger man Marcus’s body when he dies in exchange for a fortune and access to vast knowledge. The consequences for both men evolve over the ensuing years. When Ray finds a way to exchange identities while still alive, both men struggle to navigate their new lives and relationships while under attack by Ganymede, the architect of the consciousness swapping technology, and the Tribe of 23, a human supremacist organization that has targeted Marcus because of his and his wife’s advocacy for AIs to have equal rights with carbon based humans.
Their moral and emotional development is informed by the resourceful women who love them, one an accomplished journalist, the other a teacher who guides AIs to perceive and feel human emotions.