Life Insurance lets you reclaim some of your progress and assets after being killed.
How it works
Everyone has a free Life Insurance policy by default. You can upgrade to a paid policy by paying upfront for weekly coverage. If you're killed, you can then reclaim a portion of your progress and assets from any future gangster in the same round.
Depending on your policy, Life Insurance covers the following:
Money
A percentage of your money held in cash, in the bank and in savings. The remaining money goes to your killer.
Any stocks you hold are automatically sold shortly after your death. The same percentage of the proceeds can be reclaimed as part of your money.
Bullets
A percentage of your bullet balance. Bullets fired before your death, including in backfire, are not covered.
Bullets held in your RPS Balance are covered at the same percentage. The insured amount is added to your new gangster's RPS Balance.
Level Number
A percentage of your level number. For example, if you're Level 30 with 50% level coverage, you can return at Level 15. You can also choose a lower level when making a claim.
Vehicle Theft Chances
A percentage of your Vehicle Theft chances.
When making a claim, select the Vehicle icon to see the chances you're reclaiming.
Small Crimes Chances
A percentage of your Small Crimes chances.
Inventory Items
The paid policy covers 30% of each inventory item you hold, or 5 of each item, whichever is greater.
For example, if your previous gangster had 1,000 Mod Coins, you'll reclaim 300. If your previous gangster had 10 Mod Coins, you'll reclaim 5.
The free policy doesn't cover inventory items.
You can't claim on Life Insurance if you commit suicide or are killed by an admin for breaking the game rules.
Policy types
There are two types of policy: free and paid. Everyone starts with the free policy.
The paid policy costs $4,000,000 per week. You'll receive an alert 24 hours before it expires, and you can extend it at any time.
We recommend upgrading to the paid policy for greater coverage.
| Feature | Free Policy | Paid Policy |
|---|---|---|
| Level Number | 50% | 70% |
| Bullets | 50% | 70% |
| Money | – | 70% |
| Vehicle Theft Chances | 50% | 70% |
| Small Crimes Chances | – | 50% |
| Inventory Items | – | 30% or 5 |
Making a claim
If you're killed by another player, create your new gangster as usual. Then open the Make Claim tab on the Life Insurance screen to claim on your previous gangster's policy.
Money bullets and inventory items you reclaim are added to your existing balances. Your level, Vehicle Theft chances and Small Crimes chances are only boosted to the insured amounts. For example, if you're insured for Level 20 and have already reached Level 5 when you make a claim, you'll become Level 20, not Level 25.
You can make a claim from any gangster within the same round. Policies do not carry over to new rounds.
Insurance for Perks and Vehicles
Perks and vehicles aren't covered by Life Insurance. You can insure them individually for $250,000 per perk or vehicle.
To insure a perk or vehicle, open your Perks inventory or the Your Garage screen, select the item and toggle the Insured switch to ON. You'll keep the insured item after death, even if you commit suicide. It remains insured until you use it or transfer it away.