Patent ID: 8808086

Claim:
An insurance enabled hybrid game, comprising: a real world engine constructed to provide a randomly generated payout of real world credits from a wager in a gambling game; an entertainment software engine constructed to execute an entertainment game providing outcomes based upon skillful execution of the entertainment game to earn a payout of game world credits; and a game world engine constructed to manage the entertainment software engine and communicate gameplay gambling event occurrences based upon skillful execution of the entertainment game that trigger a wager in the gambling game to the gambling game; wherein the insurance enabled hybrid game utilizes an insurance module constructed to: activate an insurance proposition associated with an insurance trigger event in accordance with an insurance activation rule to generate at least one insurance relationship between an insurance safeguard that can be applied in response to a negative outcome of a challenge in exchange for an insurance fee, where an insurance relationship can be applied in a player's insurance enabled hybrid game gameplay session in accordance with an insurance proposition rule, and where a challenge is a gameplay event dependent upon player action and the negative outcome is an outcome of the challenge defined by the insurance safeguard; collect an insurance fee from a player profile accessible during execution of the entertainment game in accordance with the insurance proposition rule; and apply an insurance safeguard associated with the collected insurance fee in accordance with the insurance proposition rule by altering insurance enabled hybrid game gameplay in response a negative outcome of a challenge detected by the insurance module that mitigates the negative outcome.