"Mr. Feng Yi, I am Seulius, the Branch Master of the Adventurers' Guild in Mondstadt. I'm the man who once slew three dragons, eradicated two transnational bandit organizations, and incidentally saved the continent of Teyvat. If you wish to learn a few tricks from me, why not join the Adventurers' Guild..."
Seulius chuckled, boasting about his past legendary exploits in an attempt to entice Feng Yi to join the Adventurers' Guild.
"Let's talk about joining the Adventurers' Guild another time. I've come today with important matters to discuss with Guild Master Seulius."
Feng Yi felt a bit helpless with the enthusiastic Guild Master Seulius. Joining the Adventurers' Guild was neither here nor there for him; it wouldn't significantly improve his abilities.
However, since he had something to discuss, he couldn't outright refuse. He needed to leave some room for negotiation.
"Guild Master Seulius, Mr. Feng Yi, since you have important matters to discuss, we shall take our leave for now..."
Fischl's parents, realizing they were being a hindrance, immediately proposed to depart.
"Actually, the matter I need to discuss with Guild Master Seulius also concerns the members of the Adventurers' Guild. If you two are not in a hurry, you can stay and listen."
Feng Yi called out to keep them, as Fischl's parents were adventurers and part of his client base. Hearing their suggestions would also be crucial.
"If we won't be disturbing you, then we'll stay a little longer."
Upon hearing that it was relevant to them, Fischl's parents stopped and sat back down.
"Guild Master Seulius, it's like this: I've come on behalf of the Wangsheng Funeral Parlor in Liyue to discuss adventurer accident insurance with the Adventurers' Guild..."
"What is accident insurance? I've never heard of such a thing."
Guild Master Seulius and Fischl's parents exchanged glances, finding that the other party was equally bewildered, hearing this new term for the first time.
"Accident insurance means that the adventurers of the Adventurers' Guild pay an insurance fee to the Wangsheng Funeral Parlor annually. If an adventurer dies accidentally during their adventures, the Wangsheng Funeral Parlor will be responsible for hosting a respectable funeral, with all funeral expenses covered by the parlor. Alternatively, the Wangsheng Funeral Parlor will pay a sum of insurance money far exceeding the premium to the adventurer's designated beneficiary..."
Feng Yi explained the insurance details to the three people in front of him.
Adventurers were a profession with extremely high casualty rates. Often, adventurer parents would die unexpectedly while out adventuring, leaving behind helpless children.
If these children had close friends to raise them, it would be fine. Otherwise, they would end up on the streets, facing the risk of starvation and freezing to death.
This was also something many adventurers worried about.
If they paid for insurance, it would effectively improve this situation and resolve their worries.
This was a win-win cooperation, and Feng Yi felt there was no reason for Guild Master Seulius to refuse.
"Mr. Feng Yi, this is a matter of great importance, concerning the lives of all adventurers, so please forgive me for asking in detail."
Guild Master Seulius noticed the frequent exchange of glances between Fischl's parents. They seemed to be considering it.
He was no exception. Although he no longer needed to participate in overly dangerous adventuring activities and only needed to ensure the normal operation of the Mondstadt Adventurers' Guild, he found it difficult to refuse something that benefited adventurers.
Over the years, he had witnessed countless adventurers meet untimely deaths, leaving behind orphaned children.
Out of kindness, they, the elders, would either adopt them or help take care of them.
However, they were not nannies and were also busy with their own adventuring, with limited energy...
"Mr. Feng Yi, how much mora would adventurers need to pay per year, and how much could they eventually benefit?"
This was Guild Master Seulius's most pressing concern. If Feng Yi's offer was too low, it would be better for them to save money themselves.
"Guild Master Seulius, our insurance plan is as follows: the annual premium is 100,000 mora. If the insured dies accidentally within three years, the beneficiary can receive up to 500,000 mora. If insured for more than three years, the maximum benefit will be increased to 2,000,000 mora..."
Feng Yi's point was simple: the longer you are insured, the higher the benefits you receive.
He set a three-year threshold to prevent people from trying to game the system or commit insurance fraud.
"2,000,000 mora? That's indeed quite a lot!"
Guild Master Seulius tapped his fingers incessantly on the table.
Those who knew him well understood that this was Seulius's subconscious action when he was thinking seriously.
2,000,000 mora would be enough for an orphan who lost their parents to grow up without worrying about food or clothing.
"Mr. Feng Yi, please give me some time. I need to discuss this with headquarters..."
Seulius was already swayed.
"Of course, Guild Master Seulius. This is only the first type of insurance from the Wangsheng Funeral Parlor. Once we accumulate enough credibility, the Wangsheng Funeral Parlor will introduce more insurance plans, such as disability... or old-age insurance, to provide living support for adventurers who can no longer act due to old age..."
Feng Yi intended to say "disability insurance" but immediately realized that offering disability insurance to adventurers would be a financial black hole, no matter how much mora they had.
Accidental deaths might not be frequent during adventuring, but accidental disabilities were undoubtedly common.
"I understand. I will also inform headquarters. If this matter is successful, I will represent the entire Adventurers' Guild in thanking you for your generosity, Mr. Feng Yi!"
Indeed, in Seulius's eyes, Feng Yi's actions were those of a fool with too much money, full of compassion and generosity.
After agreeing on a time to meet again with Seulius, Feng Yi took Hu Tao and departed.
"If nothing unexpected happens, this matter is ninety percent settled!"
Feng Yi and Hu Tao sat on the grass outside Mondstadt City, gazing at the leisurely white clouds in the sky, and finally relaxed.
He had spent a lot of effort and finally helped Hu Tao resolve a concern.
"Hehe, Feng Yi, do you believe they must all think we're philanthropists?"
Feng Yi instantly understood Hu Tao's meaning, but with insurance, as long as people bought it, the payout was rarely needed.
"We earn mora, and they buy peace of mind. It's a win-win. Buying and selling are free; no one is forced."
Feng Yi stretched out his arms, forming a "太" shape on the grass, while Hu Tao could only form a "大" shape.
"Feng Yi, you've helped me so much. How should I repay you?"
Hu Tao flipped over and lay on Feng Yi's stomach, drawing circles on his chest as she asked.
"Read more books, watch more news, eat fewer snacks, sleep more, and cause less trouble. That's the best way to repay me!"
Feng Yi smiled as he looked at Hu Tao's small face, which was almost touching his nose.
"Hmph, do you really see me as that kind of person? How about I have a child for you? The environment here is quite nice!"
For some reason, Hu Tao couldn't let go of the idea of having a child.