Yes, you will lose it. Your next life will have the same chance any other life has. In the same way, someone who doesnt have one will now have a chance to get a talent on that second life. You dont want to hog your talent now, do you? Sharing is caring.
I doubt it. Consider it an extremely unlikely possibility, but you absolutely will not know whether it exists or not until after game launch, AND someone actually gets said ability. But yeah, i really doubt itll ever exist, it would just end up being too strong.