Utterly Mad

Unfortunately, unlife insurance only applies to naturally created undead. You know the kind. Vampires, ghosts, spirits, poltergeists, vengeful zombies, ghouls, ghasts, wendigo, and spooky scary dancing skeletons.

Not covered are raised zombies, ordinary skeletons, constructs, liches... basically anything made by a lich/necromancer. For some reason, mummies are also not covered. Not really fair. Especially to our fine veterans who fought so bravely against the fuccbois during the skeleton war. They aren't covered either, even though they are technically natural. Damned insurance regulations were written by the fuck boys.