Life Insurance Agent

Level

KXP

Spells

A red first aid kit with blue people and white text

Description automatically generatedRequisites: Int 14, Chr 18, Cml 18
Alignment: any
HD/level: & 1d4
Weapon Prof.: & 3+level/2
To Hit Table: Wiz
Save Table Wiz
Reference: MZQ
Groups: Non-Combatant
Complexity: CF=3

1

0

(none)

2

4

(none)

3

7

(none)

4

14

(none)

5

29

(none)

6

58

(none)

7

115

(none)

8

230

(none)

9

461

(none)

10

900

(none)

You get +(10*DL) gp per monster group slain, +(25*DL) gp per subboss slain, +(50*DL) gp per boss slain, +(100*DL) gp per npc party slain, regardless of size.
You get 10gp per filled subordinate slot per reset.
Each level: +1 Subordinate slot for policy holders. You may use 10F actions to refresh a subordinate slot.
Level 1: When you are slain by an enemy, a party member gains (level*1000gp).
Level 5: 1bM, 1/reset: Insist a spell/psi-power, or class ability. At level 9, this is Capital I.
Level 9: 0, spend 100*DL or LVL, 1/day: Write a life insurance policy for a target (friendly or hostile) for the session. That target is SEL=10 Insured. If the target is slain, you gain 1000*DL or level for that target.
New Status Effect:
Insured (SEL=10): If you would resist death or cannot die [ie. Indestructible, act @ negative hp, etc.], you get no save or resistance and are slain.

11

1350

(none)

12

1800

(none)

13

2250

(none)

14

2700

(none)

15

3150

(none)

16

3600

(none)

17

4050

(none)

18

4500

(none)

19

4950

(none)

20

5400

(none)

21

5850

(none)

22

6300

(none)

23

6750

(none)

24

7200

(none)

25

7650

(none)

26

8100

(none)

27

8550

(none)

28

9000

(none)

29

9450

(none)

30

9900

(none)

31

10350

(none)

32

10800

(none)

33

11250

(none)

34

11700

(none)

35

12150

(none)

36

12600

(none)