Ok, there is cloning insurance and insurance. Cloning is a one time deal, you pay 1k to "bind" at that facility, from then on if you die and release there you don't take the wound hit. You will still loose your equipment, but no 10% wounds. This works forever, until you rebind else where, as many deaths as you can manage to get yourself killed

Insurance for items is a one use thing. You die and get your items, insurance gone.
Yes, right click on any tab. choose modify tab. You will have two windows with arrows in between. left window is what isn't on that tab, right is what is. You can also select a channel on the right side and click "set default" to make it the default channel.
Do what you want, ask more specific questions right now. What does help at this moment is for everyone who goes hunting, pick up scout and get hides/bones. You can ditch it later, only costs 100 credits to join.
Creature handler worked fine late in beta, so unless it rebroke, it works and works great. It is one of hte coolest classes. We already have tygra, mosthula, desp all going that route, but the more the merrier

Venderic, Candide or Mercutio in games.