Life insurance

LI has (in my own opinion), an upside and a downside. I don't know how it could be changed to make it better. Increasing the CP cost doesn't help, it simply makes it that the players that lack in CPs can't use it (generally people struggling in their cabal), and the people with a lot of CPs (generally people doing well in their cabal) can use it still, if a little more sparingly.

Agreed. So I still say make it available to all but heavily expensive, so that people (even those struggling in their cabal) can raise the gold for it, but they have to farm it for a while. In a sense, they are then trading the time they would have spent re-equipping farming for gold so that they won't HAVE to re-equip.

I am blaming no one we all have Real lives,I am just giving an explanation how something that doesn't depend of you can give great advantage versus cabaled player.Roykagh is right,Eq should be circulating..what would happen if a Pk God is with life insurance everytime he logs in?I think that removing this service won't change the game so dramatically as well.We should all go to the polls and vote for it.

I HAVE played cabaled chars, and I have played uncabaled chars. And for the reward you are talking about? I played Allyrion and consistently killed cabaled chars while I was uncabaled. I got promoted once, to member, after collecting a bounty. Woot.

Some of those fights I picked. Most I didn't. I have had people from every cabal randomly attack me at some point on my various chars (with herald and Trib being the exception - Tribunal still attacked, but only after I became wanted).

And I understand the extra risk involved in a cabal. But hell, YOU SIGNED UP FOR IT. The risk should be included in the reward. You get extra skills, but have to re-equip a bit more.

Or, as I said, make life insurance available to all chars, but just make it EXTREMELY expensive. Like 500k for it. Everyone can get it then, but they have to work their butt off and their armor better be worth it.

Raise cost of LI and lower the cost of Cabal EQ and I think it'd balance out a little more. Could possibly even bring back the whole Cabal EQing you after you die like in 1.0 with a 500cp cost of getting decently average EQ compared to being completely naked and looking at spending upwards of 10k cps to get your Cabal EQ when most people can't even get out of the 5kcps range.

LI has (in my own opinion)' date=' an upside and a downside. I don't know how it could be changed to make it better. Increasing the CP cost doesn't help, it simply makes it that the players that lack in CPs can't use it (generally people struggling in their cabal), and the people with a lot of CPs (generally people doing well in their cabal) can use it still, if a little more sparingly.[/quote']

You could have it coded to be based off the total amount of rares rather than just 500cps. Something like the total rare count on your character multiplied by your level which with 14 rares that's 700cps which is higher than the actual cost of LI right now. I think people would think twice about doing it all the time just for the hell of it then or you could even take your lvl and multiply it by the total of the four lowest lvl rares added together you have or even the lowest two which would be way heavy price even if you took the lowest level rare unless the rare had some ridiculously low lvl.

People seriously...this isn't that bad. Rares circulate fine. Byr was killed without insurance, Triathix was too, so was Atsul and Drayson. The thing is, these people tend to get their rares back.

I will give you example why life unsurance sucks:

I pinnacled my char in the same time when Aokami did.Aokami is now trusted in warmaster.I am still member within cartel (not syndi but cartel).I have dedicated to my character more hours than he did.Then after all,why he should have that great advantage over me?Even if I manage to kill him when he uses his cabal spells/skills and items on me,I just won't be able to loot him.So why do I have to suck up and fight someone after his *** is saved by life-insurance after the only reason he owns me is because my leader is not active??I apologise to the person playing Aokami for giving him as an example

You are kidding me right? That was a silly argument. Aokam got in because at that time Valadis was the only active warmaster. Lytholm did a mass recruitment with him, Janjai, Glinark, and Torav. Aokami is trusted of warmaster because he earned it. Warmaster is a very tough cabal especially when everyone is trying to kill you for the cookie cutter honor crap rp. He probably died a hell of a lot more than your character did. Also life insurance is very devestating for warmasters, especially gladiators because we do not get as much cp's as the other cabals and gladiators have to keep a certain quota to use their skills.

I have mixed feelings about life-insurance. As others pointed out it is quite handy when fighting a barrage of enemies and gets you back in the game faster, but like Rokyagh said it is unfair for those uber decked players that manage to get killed to keep their things.

Believe it or not, a simple solution did exist in the past. In cabals 1.0 when you died you got a basic set of gear that filled up most of your slots. And it was pretty good actually. They should bring this back. Remebers the old hunter days and the mighty hunter knife

People seriously...this isn't that bad. Rares circulate fine. Byr was killed without insurance' date=' Triathix was too, so was Atsul and Drayson. The thing is, these people tend to get their rares back.[/quote']

You're exactly right. Rares do circulate fine, it's just a personal preference of mine that I'd rather see no LI, simply because they'd circulate that little bit more.

The big dogs will still sit at the top regardless of LI or not because those are the ones with the ability to get that EQ and keep it when possible. I'm just personally not a fan of the idea of a lesser-skilled player really putting up a good fight, taking out the current top dog... and not being able to wallow in the spoils and keep their enemies down, at least for a short time.

Raise cost of LI and lower the cost of Cabal EQ and I think it'd balance out a little more. Could possibly even bring back the whole Cabal EQing you after you die like in 1.0 with a 500cp cost of getting decently average EQ compared to being completely naked and looking at spending upwards of 10k cps to get your Cabal EQ when most people can't even get out of the 5kcps range.

Love it. Or better yet -

Believe it or not' date=' a simple solution did exist in the past. In cabals 1.0 when you died you got a basic set of gear that filled up most of your slots. And it was pretty good actually. They should bring this back. [/quote']

And to improve upon this, make it so that you get a PK worthy set dependent, to some extent, on class or class type. IE., melees get hit/dam stuff; casters/communers get hp/saves stuff.

Or various variations. I just particularly like the concept of being able to get cabal gear that makes you PK viable, better than most or all of non-rare stuff out there. And then, you can upgrade pieces as you acquire them via normal equipping routes. In this case, I (personally) would suggest removing LI and making cabal EQ free.

Want an easy fix?

Separate life-insurance CPs to actual cabal CPs, up LI cost, and put a CAP on total CPs that you can earn.- meaning you can't gain more than 1500 CPs for life-insurance: then you can only really die "safely" twice and then work your way back to the cost (not discussing how much it cost). Anything to ensure limited use of it.

The one who most benefits from LI are the people who can dish out 3-5+ hours a day. I for one could not gather enough CPs to ensure I have life-insurance whenever I fight the biggies.

OR.

Imms can always penalize cps from gangers in their cabals.

I never had any beef with LI. If you can kill someone on LI, then you can kill him again next time. The only broken thing about it is if you couple it with a Savant power- which I hope is fixed already.

Imms can always penalize cps from gangers in their cabals.

The only broken thing about it is if you couple it with a Savant power- which I hope is fixed already.

If you're talking about what I think you're talking about, then yes it is fixed. I tried it with my last one.

I have been caballed for quite some time now and in no way do I believe life insurance is cheap or lasts that long, Along with armies and cabal powers or cabal items, I really have to think it is really worth spending that amount?

And what about Outlaws? they are stripped naked if captured without even a chance of walking back to your corpse to see what is left.

With cabal wars as they are, People are fighting with up to three to four Vendetta's, There is no avoiding fighting when you have that amount of wars happening, plus your still using cps for raids or armies. Ever tried to reequip with even one or two enemies on?

And what about people who cannot put the same amount of hours as the rest? I find on a week where I cannot log in as much, My cps tend to decrease every time I log on. I believe if you take your view from within a cabal you would think a lot different.

Alright let me add my 10c

1. Life Inurance: life insurance costs alot. If you have ever been in a cabal you will know that through accumulation of CPS, 500 cps takes a long long time to get together if you're just going to die and loose it all.

Availibility: You want ot make it available to everyone? Through gold? Lol are you kidding? There are some people in the Pbase who can make a million a word shift. Trust me, i worked with Korthian, I know how to make atleast 750k gold a worldshift without selling an item to a player. The difference in ability would ensure that only those with ability would EVER have equipment, compounding the issue people now have with cabals and LI.

Increasing Cost: Again, 500cps is alot of moolah. Especially if you plan to stay and fight. The other day I lost 1500cps. That hurt. Seriously. That will take a long time to recover and now I am running around without LI.

People think that cabal'd people just RAKE in the cps. hardly. You get anywhere between 80-160 cps per kill depending on their rank. Life insurance costs 500cps per time. I can guarentee you you will not kill 5 people for every life insurance.

You forget that people who are in cabals can PK most of the time. They dont just lie down and die. They take alot of Killing.

Alot of people are saying "cabal'd people get superior skill sets" and "items" and "perks" and you would be 100% correct. The reasons have been said in numerous threads before:

**- ** Cabaled people HAVE to fight. They see an enemy they have to 100% defend against that enemy. Sure they can skirt around each other if they both have things to do, but that does not deny the fact that if one of them wants to fight the other, the other has to defend/retaliate.

Consequnces of not fighting? Simple, you get kicked out of your cabal or get cps deducted and loose life insurance anyway. Then you can go be aloof with your eq and never have to fight another soul.

Cabal'd Fighting Non- Caballed: Its a fact of life. A cabaled person is just as immune from combat as you are for them. Infact they are perhaps at a disadvantage. Anyone can hunt a cabal'd person when a cabal'd person might be busy with another enemy.

Some might see this as "ganging" but in reality? Get a lollipop at the door of the daycare on your way there if you havent got the stones to compete or be ruthless enough.

Sure it might be your RP but thats fine. Then you must live by your RP and not bitch about life insurance.

EQ circulation: You know I did an experiment the other day. I have another pinn who I decided to see how much rare eq I could actually get at any given moment.

Know what I ended up with? (This is mid month, supposedly when there are no rares. I didnt kill a single person. This was all from mobs.)

Booooo is using:

(Glowing) (Humming) the Ancient Banner of Illisidar

ring of accuracy

(Glowing) (Humming) a heavy-black dragonscale ring

(Glowing) (Humming) a dark moonstone pendant

(Glowing) (Humming) a dark moonstone pendant

(Glowing) a double plated helm

a werewolfs tooth

ice armor

Shark skinned sleeves

(Glowing) (Humming) a pair of spiked light-steel gauntlets

Double plated leggings

(Glowing) (Humming) a pair of spiked light-steel boots

Cloak of Righteousness

(Glowing) a segmented belt of crimson scales

Copper bracelet + diamond

tit bracer

nature spirits

thick faceplate

composite bow

archer arrows

INV:

2x glimm staff

1x aquatic souls

usual crap

That was a single eq re-requip session. So dont give me that crap about there being no eq circulating. That was ONE SESSION. Hell if I had help (this was solo) I could of gone to discord/deso and compounded ontop of this.

IF you have the drive to get the eq. There is PLENTY OF IT OUT THERE. Not to mention HUNDREDS of substitutions that whilst may not be the best, they are certainly not bad.

Oi teach me how to get 750k in a worldshift!!! All my characters are poor.

Btw, get rid of the cp costs man. Ayayay.

If anything, Life-insurance needs to be cheaper.

If anything' date=' Life-insurance needs to be cheaper. [/quote']

For Heralds.

Don't listen to Aulian. He hax.

Booooo is using:

(Glowing) (Humming) the Ancient Banner of Illisidar

ring of accuracy

(Glowing) (Humming) a heavy-black dragonscale ring

(Glowing) (Humming) a dark moonstone pendant

(Glowing) (Humming) a dark moonstone pendant

(Glowing) a double plated helm

a werewolfs tooth

ice armor

Shark skinned sleeves

(Glowing) (Humming) a pair of spiked light-steel gauntlets

Double plated leggings

(Glowing) (Humming) a pair of spiked light-steel boots

Cloak of Righteousness

(Glowing) a segmented belt of crimson scales

Copper bracelet + diamond

tit bracer

nature spirits

thick faceplate

composite bow

archer arrows

INV:

2x glimm staff

1x aquatic souls

usual crap

You son of a bitch, I was looking for that staff the other day and couldn't find it. Aside from that it just looks like you got lucky with getting some of those things anyways. A LOT of the times when I go to places like that solo that **** is NEVER in. Aside from that no one has complained with a lack of EQ lately, but there are times when we do hit those dry spells and nothing is in (usually when there are 0 Syndicates and not very good Evils). Fact of the matter is though not every class will be able to solo those things as easy as others. Sometimes you'll need to ask for help to kill the MOBs for their EQ because you wont be able to solo them alone. Some people have learned tricks to 'cheat' in a sense to make it way easy for them to go to places without having to fear taking much damage as well. Hell, those leggings are almost never in as is when I go to look but when I don't need them they're always in. Same thing with the helm.

Also not everyone is in the know of how to get that much gold every shift, hell I have a hard time getting gold with Goods but a far easier time doing it with Neutrals/Evils because a majority of Goods wont be able to kill the Good MOBs that have all that gold. I can think of a way to gather around 150k or so assuming MOBs have full gold that I'm going to and even more if some of the MOBs have been given some extra gold. Thing is not every class will be able to kill these MOBs so you'll have to get someone to help you and you'll have to split it between the two of you which makes it even less.

My suggestion still stands though, you could easily either add the code or up the cost of LI and lower all costs of Cabal EQ or just make the Cabal EQ be bought with gold instead.

Easiest way to get gold? Got a ton of mithril/red dragon/chimera/other low-level common armors and sell them in shops immediately after a shift. You'll make a ton.

Easiest way to get gold? Got a ton of mithril/red dragon/chimera/other low-level common armors and sell them in shops immediately after a shift. You'll make a ton.

Yep - been doing it for years. Hell, on my giants I always have a set in a sack for a quick sale as soon as the shift happens. No walking to kill a mob for me :-)

L-A

Yeah, I have another trick, but even shop keepers have a limited amount of gold.