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Once your character has accumulated more than 900,000 skill points (which will happen after roughly three weeks of skill training), should you die, you will lose 5% of the excess skill points (SP) you have accumulated.  
Once your character has accumulated more than 900,000 skill points (which will happen after roughly three weeks of skill training), should you die, you will lose 5% of the excess skill points (SP) you have accumulated.  
{{example|1=If a character with 1 million SP dies, but has a medical clone which can only hold 900,000 SP, they will be resurrected with 1,000,000 - 5% * (1,000,000 - 900,000) = 1,000,000 - 50,000 = 950,000 SP, which represents about a day's worth of training time. If a character with 5 million SP (and only a basic 900,000 SP clone) dies, they will be resurrected with 4,795,000 SP, losing 205,000 SP (or about 5 days' worth of training)!}}
{{example|1=If a character with 1 million SP dies, but has a medical clone which can only hold 900,000 SP, they will be resurrected with 1,000,000 - 5% * (1,000,000 - 900,000) = 1,000,000 - 50,000 = 995,000 SP, which represents about a day's worth of training time. If a character with 5 million SP (and only a basic 900,000 SP clone) dies, they will be resurrected with 4,795,000 SP, losing 205,000 SP (or about 5 days' worth of training)!}}


This can be avoided by upgrading your medical clone to make it hold more skill points. You can do this through the medical facility window in any station (not just the station where your medical clone is currently located), but you have to pay a fee (higher-capacity clones cost more money). The basic clone is called an "Alpha-grade" clone and can hold 900,000 SP; higher-grade clones can hold more skill points, all the way up to the Omega-grade clone, which can hold 450 million SP (about 25 years' worth of skill training!). You can check the capacity of your current medical clone (and compare it to your skill points) in the medical facility or character screen.  
This can be avoided by upgrading your medical clone to make it hold more skill points. You can do this through the medical facility window in any station (not just the station where your medical clone is currently located), but you have to pay a fee (higher-capacity clones cost more money). The basic clone is called an "Alpha-grade" clone and can hold 900,000 SP; higher-grade clones can hold more skill points, all the way up to the Omega-grade clone, which can hold 450 million SP (about 25 years' worth of skill training!). You can check the capacity of your current medical clone (and compare it to your skill points) in the medical facility or character screen.