Adventurer Life Insurance! [Archive] - Wizards Community

Adventurer Life Insurance! [Archive] - Wizards Community

Post/Author/DateTime Post
Iabes_Q_c_a_Mahorella
10-01-06, 07:46 PM So, none of the players in my game care to be divine spellcasters, and I would rather res them than make up new chars for them. Thus: Life Insurance!

The PCs pay some rediculous amount every, say, week. Depending of which form of insurance they choose, the rates are different; Reincarnate, Resurection, or True Res. You must bring the corpse (if required) to them.
How much should it cost per character for each spell? Should the cost be directly related to the PCs level (higer lv get in more deadly situations?) How often should they have to pay?
necrom99
10-01-06, 07:54 PM I have a similar thing in my game provided through the adventurers guild, but you have to pay the material component to the spell, apart from that it only applies to missions given out by the guild.

it's unneccesary but it adds to my campaign world.....i say charge them about 200GP a month maybe a little more depending on how much treasure you give out.
PSchirf
10-01-06, 09:04 PM "Adventurer Life Insurance" doesn't fit the feel of my game, but wrap the same idea into a religious order that provides assistance for the proper tribute to their cause and you have something that doesn't take too much away from the game. This is especially true of I include adventure motivational underpinnings into the group.
PhaedrusXY
10-01-06, 10:26 PM Umm... if they have to bring the body, why wouldn't they just go to a temple and pay them to cast the spell if/when they need it? What exactly is the life insurance getting them above and beyond this? Sounds like a rip-off to me... unless they can wind up paying less overall per spell needed. Of course, if this is anything like real insurance... then it probably IS a rip-off. :P
Kradlo
10-01-06, 11:11 PM Way, way back, there used to be Amazon Mutual Life Assurance. Amazon Mutual had contracts to raise people after they died.

Adventurers were hired by AMLA to find their contractee and bring him back for raising from the dead. The AMLA pack had included a bodybag, a magical bag that preserved the body until it could be raised.

There were some published adventures using AMLA, as the adventurers sent to retrieve the body. If you find the concept works for your campaign, go for it!
Amon_WinterfallIV
10-02-06, 02:04 AM The problem with Adventurer life insurance is the following:

Salesman: Okay, Sir Knightly wants insurance, in the event of his untimely death, that we will give him a True Ressurection spell.
Boss: Okay, did you know what his chance of death is?
Salesman: Below 5%
Boss: Try over 15%.
Salesman: In that case, we need to revise his policy!

Sir Knightly: Okay, you wanted to discuss my policy?
Salesman: Yes, you are in the extreme high risk pool, due to occupational hazards. We need 10,000 GP monthly to cover you.
Sir Knightly: That's absurd! I could just pay for it myself at that cost.

The point is, of course, no insurance company is going to take a loss on something like an adventurer, and the adventurer would probably be able to make cheaper arrangements.

Now, for royal figures, this is a bit more feasible.
myeviltwin
10-02-06, 04:20 AM Back in the day, I understand pirates had a very simple life insurance policy: they wore money on their person. An earring or two could be sold off the deceased to pay for a funeral.

Granted it costs less to put you in the ground than draw your immortal soul across the planes to reanimate you, but the principle can be the same. An adventurer would be wise to invest in some decently expensive jewelery that his buddies can pawn to pay the local cleric.
Iabes_Q_c_a_Mahorella
10-02-06, 12:15 PM Well, all true, but I just want somethign that'll fit i along Crazy Eddy's Boat Emporium (we got red boats, we got blue boat, people come up to me and say, "hey, Eddy, where'd you get so many boats?!?" And if you buy a boat in the next 3 hours, I'll club a baby seal! Thaaats right! I';ll lcub a baby seal, to make a better deal!)

Post/Author/DateTime	Post
Iabes_Q_c_a_Mahorella 10-01-06, 07:46 PM	So, none of the players in my game care to be divine spellcasters, and I would rather res them than make up new chars for them. Thus: Life Insurance! The PCs pay some rediculous amount every, say, week. Depending of which form of insurance they choose, the rates are different; Reincarnate, Resurection, or True Res. You must bring the corpse (if required) to them. How much should it cost per character for each spell? Should the cost be directly related to the PCs level (higer lv get in more deadly situations?) How often should they have to pay?
necrom99 10-01-06, 07:54 PM	I have a similar thing in my game provided through the adventurers guild, but you have to pay the material component to the spell, apart from that it only applies to missions given out by the guild. it's unneccesary but it adds to my campaign world.....i say charge them about 200GP a month maybe a little more depending on how much treasure you give out.
PSchirf 10-01-06, 09:04 PM	"Adventurer Life Insurance" doesn't fit the feel of my game, but wrap the same idea into a religious order that provides assistance for the proper tribute to their cause and you have something that doesn't take too much away from the game. This is especially true of I include adventure motivational underpinnings into the group.
PhaedrusXY 10-01-06, 10:26 PM	Umm... if they have to bring the body, why wouldn't they just go to a temple and pay them to cast the spell if/when they need it? What exactly is the life insurance getting them above and beyond this? Sounds like a rip-off to me... unless they can wind up paying less overall per spell needed. Of course, if this is anything like real insurance... then it probably IS a rip-off. :P
Kradlo 10-01-06, 11:11 PM	Way, way back, there used to be Amazon Mutual Life Assurance. Amazon Mutual had contracts to raise people after they died. Adventurers were hired by AMLA to find their contractee and bring him back for raising from the dead. The AMLA pack had included a bodybag, a magical bag that preserved the body until it could be raised. There were some published adventures using AMLA, as the adventurers sent to retrieve the body. If you find the concept works for your campaign, go for it!
Amon_WinterfallIV 10-02-06, 02:04 AM	The problem with Adventurer life insurance is the following: Salesman: Okay, Sir Knightly wants insurance, in the event of his untimely death, that we will give him a True Ressurection spell. Boss: Okay, did you know what his chance of death is? Salesman: Below 5% Boss: Try over 15%. Salesman: In that case, we need to revise his policy! Sir Knightly: Okay, you wanted to discuss my policy? Salesman: Yes, you are in the extreme high risk pool, due to occupational hazards. We need 10,000 GP monthly to cover you. Sir Knightly: That's absurd! I could just pay for it myself at that cost. The point is, of course, no insurance company is going to take a loss on something like an adventurer, and the adventurer would probably be able to make cheaper arrangements. Now, for royal figures, this is a bit more feasible.
myeviltwin 10-02-06, 04:20 AM	Back in the day, I understand pirates had a very simple life insurance policy: they wore money on their person. An earring or two could be sold off the deceased to pay for a funeral. Granted it costs less to put you in the ground than draw your immortal soul across the planes to reanimate you, but the principle can be the same. An adventurer would be wise to invest in some decently expensive jewelery that his buddies can pawn to pay the local cleric.
Iabes_Q_c_a_Mahorella 10-02-06, 12:15 PM	Well, all true, but I just want somethign that'll fit i along Crazy Eddy's Boat Emporium (we got red boats, we got blue boat, people come up to me and say, "hey, Eddy, where'd you get so many boats?!?" And if you buy a boat in the next 3 hours, I'll club a baby seal! Thaaats right! I';ll lcub a baby seal, to make a better deal!)