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The Adventurer Insurance Founder

Chapter 20

Chapter 20

Nov 15, 2025

Within an hour of completing the scan the guild bell rang across Aerilon. Adventurers flooded the streets. Merchants shut their stalls. Patrol squads sprinted toward the guild hall. Word spread quickly. A curse convergence was forming in the western forest. Something massive. Something deadly. Something the Umbra Brokers had created.

Evan, still breathing hard from the scan, walked into the guild hall with Garron, Elira, Mira, and Draven behind him. The hall was filled with adventurers of every rank. Bronze shields. Silver blades. Gold emblems. Even retired adventurers who had not fought for years had returned. The air was thick with tension.

The guild master stood on the platform. Today we face a threat unlike any in decades he said. The Umbra Brokers have created a convergence point that could trigger a curse storm. Aerilon will not stand idle. We fight. But we do not fight blindly. We fight with knowledge. With strategy. With the risk calculations provided by Crestfall Risk Shield.

All eyes turned to Evan.

He stepped forward holding the device. It glowed like a miniature star. Evan spoke firmly. The convergence is unstable. It will reach critical level within days. Maybe sooner. The hazard towers show rising curse density across the region. Monster behavior is shifting. Mana flow is reversing. This is the first step of a curse storm.

Adventurers murmured. Draven stepped beside Evan and faced the crowd. We all saw what happened at the ruins. If this storm hits the city no one survives. We must strike the convergence before it grows.

Evan continued. I have divided the region into three zones. The first zone requires evacuation of civilian routes. The second zone requires immediate stabilizing rituals. The third zone is the convergence site. Highly dangerous. High death probability without support. The adventurers listened closely.

Elira stepped forward. Crestfall Risk Shield will provide real time readings during the mission. I will relay updates from the hazard towers. Mira lifted her logbook. I will update survival probabilities as the situation changes. Garron rested his shield against the floor. I will lead the vanguard teams. We will clear the paths. Draven crossed his arms. And I will lead the strike squad.

The guild master nodded. Then let us form the Crisis Strategy Council.

Tables were arranged in a circle. Adventurers gathered by class. Mages, rangers, warriors, healers, support units. Evan placed the device at the center table. Tower data streamed across the surface. Blue markers represented mana drift. Purple markers mapped future oscillations. Red markers showed curse density. Golden lines traced probability stability.

Evan explained the strategy. The convergence site generates curse tendrils that feed on life energy. They form three streams. If we cut the streams the convergence collapses. Draven asked Where are the stream roots. Evan zoomed the readings. Here. Here. And here. Each root was far apart and guarded by high density curses.

Elira described the ritual needed to stabilize each root after destruction. It required life energy, mana focus, and curse neutralization. Mira calculated the survival probabilities for each team. She gave recommendations. Evan refined the risk assignments.

The guild master then declared. We commit every force available. Aerilon stands united.

The room erupted with determined shouts.

As teams organized Evan stepped aside. The new device hummed with continuous calculations. The towers scanned the region in real time. Data flowed into the chamber like a second heartbeat.

Elira approached him quietly. Are you afraid. Evan answered Truthfully yes. But fear is a risk variable. It can be managed. We understand the danger now. We are not walking blind.

Garron joined them. We are with you. Draven stepped next to him. Whatever waits in that forest will fall.

Mira nodded. You created a system that gives us a chance. Now we use it.

Evan looked at the teams preparing for the journey. Adventurers tightened armor straps, organized potions, and tested magical seals. The city was alive with urgency. But also with unity. For the first time Aerilon understood the power of risk control.

He lifted the new Magic Risk Indicator. The golden glow pulsed steadily. Ready.

Evan turned to the guild master. We begin at dawn.

The battle for Aerilon’s survival was approaching. The Umbra Brokers had created the convergence. But Crestfall Risk Shield would face it.

The war between risk and shadow entered its next stage.

And the fate of the city would soon be decided.


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Claram
Claram

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In a fantasy world where adventurers die faster than quests can be posted, one man decides to change everything. Evan Crestfall, a calm and analytical former risk modeler from another world, arrives in a land filled with monsters, dungeons, curses, and chaotic magic. After seeing how unprepared adventurers are and how little the guild understands real danger, he establishes the first Adventurer Insurance Company.

Evan creates new insurance plans that cover injuries, death benefits, equipment loss, and team based risk sharing. He introduces magical risk indicators, divination actuarial forecasting, and behavior based premium adjustment. With these tools he can predict the danger of every quest and calculate the survival chances of every adventurer.

As Evan reshapes the entire guild economy, competitors appear. Some are honest and want to learn from him. Others are black market operators who curse their customers to avoid paying claims. Between battles with magical beasts and battles with corrupt insurers, Evan must defend his growing company and prove that risk control is as heroic as any sword or spell.

This is the story of how one man builds a new industry in a world ruled by chaos and danger and how his work becomes the shield behind every hero.

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In a fantasy world where adventurers die faster than quests can be posted, one man decides to change everything. Evan Crestfall, a calm and analytical former risk modeler from another world, arrives in a land filled with monsters, dungeons, curses, and chaotic magic. After seeing how unprepared adventurers are and how little the guild understands real danger, he establishes the first Adventurer Insurance Company.

Evan creates new insurance plans that cover injuries, death benefits, equipment loss, and team based risk sharing. He introduces magical risk indicators, divination actuarial forecasting, and behavior based premium adjustment. With these tools he can predict the danger of every quest and calculate the survival chances of every adventurer.

As Evan reshapes the entire guild economy, competitors appear. Some are honest and want to learn from him. Others are black market operators who curse their customers to avoid paying claims. Between battles with magical beasts and battles with corrupt insurers, Evan must defend his growing company and prove that risk control is as heroic as any sword or spell.

This is the story of how one man builds a new industry in a world ruled by chaos and danger and how his work becomes the shield behind every hero.
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Chapter 20

Chapter 20

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