diff --git a/src/Perpetuum/Services/ProductionEngine/Facilities/InsuraceFacility.cs b/src/Perpetuum/Services/ProductionEngine/Facilities/InsuraceFacility.cs
index 0efe2f0ad..98e7be358 100644
--- a/src/Perpetuum/Services/ProductionEngine/Facilities/InsuraceFacility.cs
+++ b/src/Perpetuum/Services/ProductionEngine/Facilities/InsuraceFacility.cs
@@ -3,6 +3,7 @@
 using System.Linq;
 using Perpetuum.Accounting.Characters;
 using Perpetuum.Common.Loggers.Transaction;
+using Perpetuum.Data;
 using Perpetuum.ExportedTypes;
 using Perpetuum.Groups.Corporations;
 using Perpetuum.Items;
@@ -116,6 +117,7 @@ public void InsuranceBuy(Character character, Robot robot, ref int currentInsura
 
             double insuranceFee, payOut;
             GetInsurancePrice(robot, out insuranceFee, out payOut).ThrowIfError();
+            payOut = GetBoostedInsurancePayout(character, payOut);
 
             wallet.Balance -= insuranceFee;
 
@@ -147,6 +149,26 @@ public void InsuranceBuy(Character character, Robot robot, ref int currentInsura
             currentInsurances++;
         }
 
+        private const double SERVER_DESIRED_EP_LEVEL = 750000;
+        public double GetBoostedInsurancePayout(Character character, double payOut) {
+            Accounting.Account account = character.GetAccount();
+            var collectedEp = Db.Query().CommandText("SELECT dbo.extensionPointsCollected(@accountID)")
+                .SetParameter("@accountID", account.Id)
+                .ExecuteScalar<int>();
+            double modifier = GetInsurancePayoutModifier(collectedEp);
+
+            return Math.Round(payOut * (1 + modifier));
+        }
+
+        private static double GetInsurancePayoutModifier(int collectedEpSum) {
+
+            var linearRatio = collectedEpSum / SERVER_DESIRED_EP_LEVEL;
+            var result = 1.0 - linearRatio;
+            result = result.Clamp();
+
+            return result;
+        }
+
         public ErrorCodes InsuranceQuery(Character character, IEnumerable<long> targetEids, out Dictionary<string, object> result)
         {
             var ec = ErrorCodes.NoError;