Insurance

Insurance is a service the Gatefall Company offers to player characters in the New World in return for a premium payment, which may either be paid in full at the beginning of each year or split into monthly installments (though this option is more expensive overall). If an insured character is killed while Adventuring in The Wilds, the Company pays a pre-arranged amount of Money to their listed next-of-kin. 

Both the premium payment and the death benefit are calculated based on the character's level. The premium payment also varies depending on how many Fate Points the character has at the beginning of each year, which reflects the Company's estimate of how likely they are to meet an untimely death. When a character's level or number of Fate Points changes, there is no effect on their Insurance policy until it is renewed for the next year. The premium payment (denoted as "[yearly payment] ([monthly installment]) GP") and benefit amounts at each level are as follows:

Character Level	Payment w/0 FPs	Payment w/1 FP	Payment w/2 FPs	Payment w/3 FPs	Death Benefit
1	60 (7) GP	30 (4) GP	30 (4) GP	30 (4) GP	100 GP
2	120 (15) GP	60 (7) GP	60 (7) GP	60 (7) GP	200 GP
3	180 (20) GP	90 (10) GP	90 (10) GP	90 (10) GP	300 GP
4	240 (27) GP	120 (15) GP	120 (15) GP	120 (13) GP	400 GP
5	285 (32) GP	150 (17) GP	150 (17) GP	135 (15) GP	650 GP
6	390 (45) GP	210 (25) GP	210 (25) GP	180 (20) GP	900 GP
7	510 (57) GP	270 (30) GP	270 (30) GP	225 (25) GP	1,200 GP
8	600 (67) GP	330 (37) GP	330 (37) GP	255 (30) GP	1,500 GP
9	675 (75) GP	390 (45) GP	375 (42) GP	285 (33) GP	2,000 GP
10	840 (95) GP	480 (55) GP	450 (50) GP	330 (37) GP	2,750 GP
11	990 (110) GP	570 (65) GP	525 (60) GP	375 (42) GP	3,500 GP
12	1050 (117) GP	660 (75) GP	600 (67) GP	390 (44) GP	4,400 GP
13	1125 (125) GP	750 (85) GP	645 (72) GP	405 (46) GP	6,000 GP
14	1350 (150) GP	900 (100) GP	750 (85) GP	450 (50) GP	8,500 GP
15	1575 (175) GP	1050 (117) GP	825 (92) GP	495 (55) GP	11,000 GP
16	1680 (187) GP	1200 (135) GP	915 (102) GP	540 (60) GP	16,000 GP
17	1800 (200) GP	1350 (150) GP	960 (107) GP	570 (65) GP	22,500 GP
18	2190 (245) GP	1650 (185) GP	1125 (125) GP	615 (70) GP	35,000 GP
19	2595 (290) GP	1950 (217) GP	1320 (147) GP	690 (77) GP	55,000 GP
20	3000 (333) GP	2250 (250) GP	1500 (166) GP	750 (83) GP	75,000 GP