You could just use the marketplace to change your cash into credits. Then sell the credits with the new character. No coding needed. Might even make some extra cash if the value of credits goes up.

Right, but you'd have to save the money for the 'insurance plan' anyway. So why not just buy 10 mill worth of credits when you've saved up, which is effectively your 'insurance' anyway? In fact, you could buy a credit every time you get enough money for one and just save them up, which is even more effective than trying to save up for an 'insurance plan' to pay in one lump sum because you could die with 9.8 million on you.

Just purchase credits every time you get $1,000,000. That's the best insurance policy after all we are mobsters how are you going to convince the company where your money came from. lol

life insurance would just guarantee that people who have it start a new character with tons of bg's thus throwing the use of bg's basically out the window cause everyone would have life insurance. the best way to do it is to have the "game" assess your net worth IE time played on that character and dfp and bg's and what not then give a price based on those stats for life insurance and have the ability to give life insurance for 8 hours available once every 12 hours thus limit people from having it all the time and keeping it semi realistic with the idea of only getting 50% of your net worth back