>>43086207 Really? So from a pathfinder standpoint, raise dead, the lowest level res spell, costs 5 thousand to cast and puts 2 negative levels on the dead person. Average person makes what? 2 gold a year. So any life insurance policy that paid 100 gold would be a pretty big deal. What I'm saying is, the cost to cast the magic would probably always outweigh the benefit from any "insurance". Also, you have to find some one powerful enough to cast that spell, who also gave a fuck about money.
>>43086207 Sure? None that I read, since the ability to bring back the dead is typically exceptionally rare if it exists at all, and in quite a few of those cases not done outside of the most dire need.
But in settings where resurrection is simple and somewhat easy, why not?
>>43086301 >>43086524 >>43088224 there would probably be different tiers for life insurance. anyone unable to affort a policy that includes resurrection would probably have to consent to some kind of scrying or other divination at the time a claim is made. for anyone who does get a resurrection-inclusive policy it'd be as the anons above mentioned, and probably treated more like a personal insurance policy.
Reminds me of the corpse hunters from Dungeon Messy. Shady folks who make money by rezzing the scrubs who get party-wiped and then charging them a percentage of the loot they're carrying at the time as a fee. Good Samaritans will haul 'em back to a safe level and then rez 'em for free if they can afford it. Corpse hunters aren't Good Samaritans.
I presume most life insurance policies have a wealth cut-off then and probably pay for resurrection past that point. A peasant that earns 2 gold a year isn't gonna be able to afford the one that allows resurrection but they wont get rezed anyway so basic covers them. A wealthy dude or an adventurer probably gets the one that pays for resurrection.
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