Life Insurance enables you to reclaim some of your assets after being killed. Everybody has a free 40% Life Insurance policy as standard, you don’t need to do anything to activate this but you must have been online in the 7 days before being killed (i.e. an active player). You also have the option to purchase a higher percentage policy which is recommended.
Life Insurance is not available if you commit suicide or if you’re admin killed for breaking the game rules.
How it works
Life Insurance policies work on a percentage system. For example, a 50% policy gives you the opportunity to claim back half of your insured assets. The following assets are covered:
- Money (cash, bank balance and savings)
- Bullets (excluding any shot)
- Level number
- Vehicle Theft chances
As an example, suppose you were killed at Level 20 with $10,000,000 and 30,000 bullets, on a 50% Life Insurance policy you would be able to claim: Level 10, $5,000,000 and 15,000 bullets (assuming no bullets were shot in backfire). Additionally, if you had a 50% chance of stealing a certain vehicle on the Vehicle Theft screen, your insured chance would be 25%.
Buying a policy
If you want to upgrade from the standard 40% policy, which would be recommended for any serious player, you can purchase a paid policy.
Life Insurance is purchased in one week blocks at the following prices:
You can extend your policy for one week at any time, or cancel and take out a different policy. You will receive an in-game alert 24 hours before your policy expires to remind you to extend the policy if required.
Making a claim
If you’re killed while insured, just create your new gangster as normal. Then navigate to the Make Claim tab of the Life Insurance screen to claim against your previous insurance policy.
Any money or bullets claimed will be added to your existing balances. However your level number and Vehicle Theft chances will only be boosted to the insured amounts. For example if you’re insured for Level 20 but have already reached Level 5 before claiming against your insurance, you’ll still only become Level 20 (not Level 25).
You can claim on your Life Insurance policy from any future gangster in the same round, policies do not extend into new rounds.