New Donation feature: Life Insurance

Donation Feature Name: Life Insurance
Donation Short Description: Allows for 25%, 50% experience points to be dropped by the player.
Donation Power: To work in all worlds, including PvP enabled worlds.

Donation Long Description:
Life Insurance Level 1, 30USD, allows the dropping of 25% of the current experience level the player has at the time of death. If the player has 990exp on death with this level of Life Insurance they would drop 247.5 exp (if that is possible - rounded down if not possible). At experience 1560 the players death would see them drop, 390 exp.

Life Insurance Level 2, 60USD, allows the dropping of 50% of the current experience level the player has at the time of death. If the player has 990exp on death with this level of Life Insurance they would drop 495 exp. At experience 1560 the players death would see them drop, 780 exp.

End purpose:
This would replace, and override the current system of only returning the player to level 6 regardless of their previous exp levels.

No Insurance on who picks up the Experience. Players nearby are able to pickup (steal) the exp when the player dies, but still gains the Life Insurance exp amount on that players death. Including in worlds such as Nether - where this could be an additional bonus to looters of Players who have this feature.