Insurance technology ensures that no citizen on Rubi-Ka need fear permenant death. At the moment of physical death, the insurance terminal creates and activates a clone body for the person experiencing said death--This body, in turn, acts as a beacon for the 'soul' of the original individual. Insurance technology is proven to be 99.9% safe and effective through the ages of 21 - 75. Weaponry which can cause permenant death is available, but highly rare and very illegal.
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