Insurance technology ensures that no citizen on Rubi-Ka need fear permenant death. At the moment of physical death, the insurance terminal creates and activates a clone body for the person experiencing said death--This body, in turn, acts as a beacon for the 'soul' of the original individual.
Insurance technology is proven to be 99.9% safe and effective through the ages of 21 - 75. Weaponry which can cause permenant death is available, but highly rare and very illegal.
It is also of note that all insurance terminals throughout Rubi-Ka are owned, maintained, and operated by Omni-Com, including those in use by the Clans. Direct mandate from ICC has stated that Omni-Tek must furbish the Clans with the same level of protection from permadeath as it does their own employees.