Life Coin (Dragonstar)
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Life Coin is the ultimate life insurance system, a service provided by the church of The Merchant. You record your identity with the church, and in the event of your death, the church will provide for a true resurrection spell to be cast, bringing you back to life.
With each type of account, a deposit of cr. 50.000 must be made with the temple of The Merchant, and this is the price of one resurrection attempt; if you use the service, you must deposit the money again, or the service is cancelled. Beyond this deposit, there is also a yearly service charge, which covers secure identity storage, regular contacts with the Life Coin service, and legal fees.
If an attempted resurrection fails, there is no refund. The most common causes of failure are that the client is not really dead or does not want to be resurrected, and in this case there is nothing that can be done. In other cases, the client has been imprisoned or soul bound, and the church cannot be held accountable for such things, as they are outside church control.
The data vaults where Life Coin identities are kept are among the most secure data fortresses in the Dragon Empire, and a lot of very important people have a vested interest in keeping them safe. The Imperial Police and the ISPD have no authority to prevent a resurrection, but Life Coin keeps the authorities informed of the resurrections they are about to perform, so the police may well be waiting for you as you awaken. There is rumored to be a Life Coin Platinum service, only available to VIPs that will not report your resurrection to anyone. But this is just a rumor.
The name Life Coin comes from the holy symbol of The Merchant, a golden coin, and from the token that various aspects of The Reaper demand as a toll for those crossing the boundary between life and death. Clients are given a Life Coin insurance card marked with the symbol of The Merchant with contact information for the temple. If a Life Coin client is brought in to a church hospital, every effort will be made to restore his health, and any costs will be deducted from the credit balance of the card, so it also serves as regular health-care insurance.
Life Coin Bronze
With Life Coin Bronze, the church has no means of establishing whether you are alive or dead and no duty to try and resurrect you until they receive definite word of your death. The true resurrection spell will not be cast until the church receives definite word on your demise; and even then there is a waiting period of 1 to 6 weeks while the church double-checks records and waits for an open time slot. Life Coin Bronze costs cr. 100 per month.
Life Coin Silver
This level of insurance still involves no supernatural means of determining your health, but unless you report in every six months, the Life Coin operation will use divination spells to determine your health; if results are negative, an attempt at resurrection will be made. If you simply disappear, you will be resurrected in 1 to 6 months. Otherwise identical to Life Coin Bronze. If a resurrection fails, Life Coin Silver clients will have divination spells cast to determine why. Life Coin Silver costs cr. 500 per month.
Life Coin Gold
The most exclusive service available. With this service, the church casts a permanent status spell, and monitors your health and well being magically. If you die, you will be resurrected in 1d6 days. Life Coin Gold costs cr. 1,500 per month.
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