Yes, Darkest Dungeon works on the
basis of the
permanent death mechanic where you are free to recruit heroes for taking them along into dungeons, however if they
die, that's it for them.
For its joint whole life policy, the coverage is up to $ 20,000 of protection for ages 18 — 85, with coverage provided for two persons under one policy and one low premium payment providing
permanent coverage for the insured and a spouse on a first to
die basis.