Character insurance I mean insurance by making sure that my character will be available until I delete it. I lost 2 characters in D2 1 was a lvl 49 paly and the other was a lvl 29 barb. That just ticked me off and i stopped playing for a year and lost all my item storage characters (which I didn't care about accept for the fact they were holding most of my set items). Blizzard needs to make sure this doesn't happen again.
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