An LTI token is a less expensive ship or vehicle (e.g. Nox, Roc, Pisces, P-72) which has lifetime insurance. From this less expensive pledge, you can then upgrade to many other ships and vehicles, with this ‘token’ being the cheapest possible start.
You can only upgrade to a ship or vehicle that is of a higher value, so starting with the lowest value pledge gives you the most options.
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