📜 life insurancepremium auto-billed every 5min
buy a policy on yourself or a family member. premium is 0.1% of coverage / min, auto-billed from your balance every 5min tick. on the insured's death (cartel-kill, hitman, suicide), the buyer collects a payout scaled by policy age — older policies pay closer to face value.
your policies
buy a new policy
how it works
premium: 0.1% of coverage per minute, deducted every 5min tick (so 0.5% of coverage per tick). if you can't pay, the policy lapses.
payout: scaled by policy age. brand-new policies (≤1h) pay ~20% of coverage. policies aged 24h+ pay ~80%. policies older than 7 days pay full coverage. this prevents the buy-10B-then-suicide exploit.
beneficiary: for self-policies, your spouse collects (or you respawn with the cash if single). for family policies, you collect when they die.
cancel anytime: stop paying premium. no refund of past premiums.