This guide explains how to use the Heart Merchant NPC in Prontera to exchange old insurance items for the new New Insurance item, which offers more flexible protection against experience loss upon death.

- Heart Merchant:

1. Location: Prontera (82, 108)
2. This NPC allows players to exchange their old insurance item (item ID: 12209) for a new insurance item (item ID: 6413).

1. Talk to the Heart Merchant:

1. The Heart Merchant will greet you and explain the benefits of the new insurance item.
2. You need to bring the old insurance item (item ID: 12209) to the Heart Merchant.

2. Understanding the New Insurance:

1. The old insurance item prevents experience loss on death but has a time limit of 30 minutes. In contrast, the New Insurance item prevents experience loss regardless of the time frame. However, it is consumed upon death.

3. Exchange Rate:

1. The exchange rate is 5 old insurance items for 1 New Insurance item.

4. Proceeding with the Exchange:

1. If you have the required items, the Heart Merchant will allow you to exchange up to 10 New Insurance items at a time.
2. The NPC will confirm the exchange, and if you have enough old insurance items, the exchange will be completed, and the new items will be added to your inventory.

5. Insufficient Items:

1. If you don't have enough old insurance items, the NPC will inform you that you cannot proceed with the exchange.
2. You can come back once you have collected the required amount.

- Weight Limit: Ensure your inventory is not overburdened. The exchange will fail if your inventory weight exceeds the limit. - Exchange Limit: You can exchange up to 10 New Insurance items at a time, which requires 50 old insurance items. - Item Consumption: The new insurance item is consumed upon death, preventing experience loss.

Visit the Heart Merchant in Prontera to exchange your old insurance items for the more powerful New Insurance. Ensure you have enough items to make the exchange and enjoy the benefits of protection without the time limit.