Let me start by saying that I love this game, I have been following and playing it on and off since launch, but insurance is going to kill it. The first issue with it is the unfixable easy exploit that allows players to duplicate guns and ammo. If you don’t allow players to loot their duo partner they could easily use the old teaming trick. If players with insurance don’t drop guns that would be extremely unfair to people not using insurance. You might as well be able to purchase guns! My second issue with insurance is that it takes the excitement from the game and causes players to play recklessly. Why would anyone not go for as much loot as possible including the air drop? There are no consequences for dying. It’s also not fair to the players that do have something to loose. I understand this game needs to go F2P and needs to make money but insurance is NOT the solution.