Economy Skill Comparison
Insurance Broker vs Merchant Prince
Comparing Insurance Broker (Tier 4) and Merchant Prince (Tier 5), both in the Economy branch in Starforge MMO. They draw from the same skill-point budget, so this breakdown helps you decide which to unlock first.
At a Glance
| Attribute | Insurance Broker | Merchant Prince |
|---|---|---|
| Branch | Economy | Economy |
| Tier | 4▼ | 5 |
| Skill-point cost | 3 SP▼ | 5 SP |
| Effect | +20% Insurance Discount | +25% Trade Profit |
| Type | Passive | Active |
| Cooldown | — | 3600s |
| Prerequisites | 2 | 2 |
▼ marks the earlier tier and lower skill-point cost — the more accessible pick. The right unlock still depends on the effect your build needs.
Insurance Broker
Tier 4 Economy Passive
Preferred broker relationships and claims history reduce fleet insurance premiums significantly.
Effect
+20% Insurance Discount
Prerequisites
Merchant Prince
Tier 5 Economy Active
Activates Market Domination — for 120 seconds all trade routes yield peak profit and storage overflow protection activates. At this level, economies bend to your agenda.
Effect
+25% Trade Profit
Prerequisites
Which Skill Should You Unlock First?
Insurance Broker is the more accessible pick — it sits at Tier 4, so it unlocks earlier in the Economy tree. Grab it first to bank an early effect, then circle back for the deeper node once your skill points free up.