You will be able to buy an insurance which will give a % of your belonging to your next character in case of premature death. the % will vary on the amount of money you pay monthly.
*Death Note users cannot benefit from insurance.
*If your character dies in the first two weeks, you will be covered at a 100%.
*Every government worker has the lowest insurance already covered by their employers.
*Criminal needs to pay an Extra 10% for "Work related risks"