Star Citizen Glossary
What Is LTI in Star Citizen?
LTI stands for Lifetime Insurance — a special insurance tier attached to certain ship pledges that provides permanent hull insurance, meaning the ship is always covered for free replacement if destroyed.
LTI Explained
In Star Citizen, every ship has insurance. Standard insurance is time-limited (3 months, 6 months, 1 year) — when it expires, you must renew it with in-game UEC. LTI ships never require renewal: the ship is insured forever, at no ongoing cost.
If your LTI ship is destroyed in-game, you can claim it at an insurance terminal and receive a replacement hull. LTI does not cover cargo, weapons, or components — only the ship hull itself.
Why Does LTI Matter?
Peace of Mind
You never have to worry about renewing hull insurance. For expensive ships, this removes a recurring UEC cost and eliminates the risk of flying uninsured.
Example: Your Carrack has LTI — you can take it on dangerous exploration missions without fear of permanently losing it.
Pledge Store Value
LTI ships hold their pledge-store value better. Some players seek out LTI versions of ships specifically. CCU chains are often used to upgrade an LTI starter to a larger ship.
Example: Buy an LTI starter pack, then CCU it up to a larger ship — the LTI transfers to the new ship.
How to Get LTI
- 1.
Limited-time pledge events
CIG occasionally offers LTI ships during special events like CitizenCon, IAE (Intergalactic Aerospace Expo), or anniversary sales.
- 2.
Concept sales
New ships introduced as 'concepts' often come with LTI as a reward for early backers who support the design.
- 3.
Cross-Chassis Upgrades (CCU)
If you own an LTI ship, you can CCU up to a more expensive ship and the Lifetime Insurance transfers to the new ship.
- 4.
Store credit purchases
Sometimes LTI tokens appear in the pledge store — small standalone items that grant LTI when applied to a ship.
LTI vs. Standard Insurance
LTI
- ✓ Never expires
- ✓ No UEC renewal cost
- ✓ Transfers via CCU
- ✓ Permanent peace of mind
Standard Insurance
- → Time-limited (3mo, 6mo, 1yr)
- → Must renew with in-game UEC
- → Standard for all new ships
- → Affordable to maintain
LTI — Frequently Asked Questions
Does LTI cover cargo, weapons, or components?
No. LTI covers only the ship hull itself. If your LTI ship is destroyed in-game, you claim it at an insurance terminal and receive a replacement hull — cargo, weapons, and components are not covered.
Does LTI transfer when you upgrade a ship?
Yes. If you own an LTI ship and apply a Cross-Chassis Upgrade (CCU) to a more expensive ship, the Lifetime Insurance transfers to the new ship. This is why CCU chains are often built from an LTI starter.
What happens if a ship doesn't have LTI?
It carries standard time-limited insurance (3 months, 6 months, or 1 year). When that expires you must renew it with in-game UEC. Renewal is affordable to maintain — LTI simply removes the recurring cost forever.
Related Terms
See all Star Citizen terms
Full SC Glossary on Day One Citizen →Sources
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