Life Insurance

three generic mana one white mana one black mana Enchantment

Extort (Whenever you cast a spell, you may pay one white or black mana . 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.

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Showing Duskmourn: House of Horror Commander#224

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Life Insurance rulings

2024-01-12
You may pay a maximum of one time for each extort triggered ability. You decide whether to pay when the ability resolves.
2024-01-12
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.
2024-01-12
The extort ability doesn't target any player.
2024-01-12
The extort ability resolves before the spell that caused it to trigger. The ability resolves even if that spell is countered.

Life Insurance keyword rules

Extort Rule 702.101

Extort is a triggered ability. “Extort” means “Whenever you cast a spell, you may pay {W/B}. If you do, each opponent loses 1 life and you gain life equal to the total life lost this way.”

If a permanent has multiple instances of extort, each triggers separately.