Life Insurance
Life Insurance: Enchantment, Duskmourn: House of Horror Commander. MTG card printings, market prices, rulings, and format legality on Mana Grove.
- Mana cost
- {3}{W}{B}
- Mana value
- 5
- Type
- Enchantment
- Colour identity
- White and black (WB)
- Rarity
- Rare
- Set
- Duskmourn: House of Horror Commander (DSC)
- Released
- 2024-09-27
- Collector number
- 224
- Artist
- Brian Valeza
- Keywords
- Extort, Treasure
Build around this card with Grover
About Life Insurance
Life Insurance is a Magic: The Gathering card, a rare white and black enchantment from Duskmourn: House of Horror Commander (DSC), a Commander product released in September 2024. It is collector number 224 in that set, with art by Brian Valeza. It costs {3}{W}{B} (three generic, one white and one black mana) to cast, for a mana value of 5. Its colour identity is white and black. It is legal in Legacy, Vintage, Commander, Duel Commander and Oathbreaker. It has been printed in 5 sets, from New Capenna Commander (2022) to Duskmourn: House of Horror Commander (2024). The latest aggregated market price for this printing is $0.30 (normal finish, as of 2026-10-23).
Card text
Extort (Whenever you cast a spell, you may pay {W/B}. If you do, each opponent loses 1 life and you gain that much life.)
Whenever a nontoken creature dies, you lose 1 life and create a Treasure token.
All the money in the world won't buy back a pulse.
Market price
Latest aggregated market price for the normal finish of this printing: $0.30 (as of 2026-10-23).
The figure covers this printing only; other printings carry their own price on their own page.
Format legality
Legality of Life Insurance by format. Formats in which it is not legal are not listed.
| Legacy | Legal |
|---|---|
| Vintage | Legal |
| Commander | Legal |
| Duel Commander | Legal |
| Oathbreaker | Legal |
Other printings of Life Insurance
Life Insurance has been printed in 5 sets. The other printings are listed newest first, with the rarity and release year of each.
| Printing | Rarity | Year |
|---|---|---|
| Magic Online Promos (PRM) #99925 | Rare | 2025 |
| Outlaws of Thunder Junction Commander (OTC) #233 | Rare | 2024 |
| New Capenna Commander (NCC) #174 | Rare | 2022 |
| New Capenna Commander (NCC) #74 | Rare | 2022 |
| New Capenna Commander Promos (PNCC) #74p | Rare | 2022 |
Official rulings
Four official rulings apply to Life Insurance, newest first.
- You may pay {W/B} a maximum of one time for each extort triggered ability. You decide whether to pay when the ability resolves.
- The extort ability resolves before the spell that caused it to trigger. The ability resolves even if that spell is countered.
- The extort ability doesn't target any player.
- The amount of life you gain from extort is based on the total amount of life lost, not necessarily the number of opponents you have. For example, if your opponent's life total can't change (perhaps because that player controls Platinum Emperion), you won't gain any life.
Similar cards
Other enchantment cards with a white and black colour identity, ranked by how often they appear in Commander decks.