One form or another, it comes down to that How much are you ready to pay for a better inssurance? the basic one is [Moderate] But you can add options to your policy. What kind of morph and augmentation you want pre-installed -provided it's aviable/legal how much longer are they supposed to wait before they write you off as dead and resleave a backup? what length would they go to get your stack back if possible? it's all a matter of price A Premium insurance Vs an economic one, you might say if you are short on money and get the basic, don't complain you find yourself in a Case, or a second hand morph who contracted syphilis in a dollhouse, or with weird addiction to hard to find smart drugs it also provides good story hooks -a crime was committed by someone who was using this "new" morph of yours before, and familly/mob/autorities haven't been notified of the change. ergo, the newly sleeved character find themselves hunted for something they didn't do! -Coming home after a time in a far away habitat, you realize you weren't resleeved in the morph you left in depot at the egocasting facility Where is your morph? who got it? is it accident or purposeful felony, and why? -You got an apparently good morph for a price tag lower than normal. It's nearly new only been used once, and only for a day. But as soon as you get sleeved, you realize that the morph has a ghost rider module and it's occupied...by a fork of a NPC the character caused harm to or whose plans were thwarted by the party. And now you're that NPC's personnal bitch. Life can suck sometimes, right?