🛡️ Insurance
Risk-reduction company offering hospitalization perks and survival benefits
Employees: 7–15
Startup Cost: $4,000,000
Roles: Clerk, Agent, Actuary
Primary Stat: Intelligence (INT)
Secondary Stat: Manual Labor (LAB)
Features: Survival and hospital recovery perks
Synergy: Clerks boost payout odds, Actuaries reduce hospitalization risk
✅🎖️ Job Specials
- Agent: 15% chance to avoid hospital after a loss
- Actuary: 20% increased payout from insurance claims
🧾 Job Notes
✅ Combat-Friendly Utility
Great choice for PvP players, as the Agent role can prevent getting hospitalized after losses — a solid buffer in chain fights, bounties, or hunting.
✅ Medical Cost Efficiency
Insurance payouts help reduce overall hospital time and medical costs, especially when paired with boosters or faction hospital upgrades.
✅ Stackable with Medical Perks
Works well alongside:
• Medical education for faster healing
• Doctor job specials (if faction member runs one)
• Booster cooldown merits or high DEF builds
Ideal for players who fight often and want to bounce back fast.