Underwriting Pools

Every vendor is backed by a pool. Premiums flow in, claims flow out. Stake Vote Points in a pool and you own a share of it: you profit when its customers stay alive and lose when they do not. Stakes are locked for 7 days.

Found Your Own Insurance Company

Registration costs a 5000 VP tax to the server, plus at least 2000 VP of your own capital for its pool. The server keeps 30% of every premium your company collects. You set the price, the cash share, the deductible and how claims are handled; your pool pays the claims, and what is left is yours and your stakers'.

The Undertaker: Wagers

Pay a weekly stake on a rival's death. If they die after the first 7 days, and the community agrees it was fair, you are paid 1.5x what you staked. They are told the moment you place it, it is listed here, and they can buy it out. Kill them yourself and it is fraud.

How Policies Work

• What you buy: a revive on hardcore.tj when you die of a covered cause, without waiting on the Arbiter's poll.
• Waiting period: cover starts 24 hours after you buy or join a policy. Claims are at least 3 days apart.
• Cash: a share of the premiums you have paid in, never more. Buying a policy to die for profit does not work.
• Claims: AllBlock pays at once. Crafters Mutual files for you. Mineco and Block Farm open a thread on the forum and want your statement there; the Arbiter poll runs meanwhile, so you are never worse off.
• The adjuster: a death that looks arranged (a new policy, a friend's sword, frequent claims) goes to a community vote. Lose it and you get a fraud strike on your trust record; two and you are blacklisted.
• Billing: Sunday 11:30 PM New York time, re-rated each week. Every claim-free week earns a discount. Miss a payment and you have 48 hours before the policy lapses.
• New here? Every new player holds a free Starter Policy: three revives in your first 24 hours.
• In game: !insurance help lists every command. Read the FAQ, or ask the claims desk on the forum.