Ok, I get the concept of Insurance on Items and I see the 600g messages when I die. The question is (the why is after the questions) 1) Do you actually need Gold Coins in the bank for Insurance to be used? 2) Is there a limit on the number of insured items that will actually be returned to you? I have every equipped item insured, plus a few bag items (barding instrument etc). Scenario's 1) I die in Cove, 4 of my insured items are on my person when I am rez'd. Fortunately the 2 jewelry and Cu Boots were 3 of the 4. I checked the bank and had 2 checks for 1,000,000 each. But no gold. 2) For the last week, when I died, the Bracelet (insured) would not be on my Rez'd body. I un insured it and then re insured it and then the Ring was not on my body. I did the uninsured and re insure and then the bracelet is not showing up. Anyone able to clear this up for me and I would be greatly appreciative. One last COMPLAINT OSI (EA/Mythic(?)) is ok, I pay you 600g for each insured item. Why is it that 90%+ of the time the Bracelet and Ring end up being under some blessed item, mostly one of the 2 Rune Books or Spell Book? Why do I need to go on a treasure hunt in my back pack for where you chose to hide them? For the extracted gold cant you see your way clear to putting it all in a bag and putting that bag in my back pack? OR better yet, the equipped items put on my Rez'd Body, in the correct spot. It isn't quite like the routine doesnt already exist to do this.