Best Talent Builds in R.I.P. Reincarnation Insurance Program Guide!

R.I.P. Reincarnation Insurance Program offers a wide range of skills that allow players to create very different builds for each character. Instead of spreading points across everything, the most effective approach is to focus on one element and two or three skill types that align with a character’s Talent tree. In this guide, we break down the best Talent choices for every character and explain why they work well together.

Best Philomel Talents

Philomel excels at high weapon fire rate and consistent damage, making her one of the strongest boss killers in the game. She performs especially well with corrosive setups, where constant hits matter more than burst damage.

Recommended Talents:

• Combo: A straightforward damage boost that fits perfectly with her rapid-fire style. This is usually the first Talent worth picking.
• Backup Power: Extremely valuable in higher Risk levels where standing still is dangerous. The dash synergy helps with survival and keeps damage flowing.
• Tactician: Strong damage scaling thanks to low cooldown throws. It is slightly less consistent than Combo but still very effective.
• Chain Chase: Best suited for Chase builds, offering an extra slot. It relies on critical hits, so it is less reliable early on.
• Apocalypse: Powerful later in a run but not ideal to rush. It shines once your build direction is already set.

Best Claire Talents

Claire is very flexible and shines with Psionic builds, defensive setups, and close-range combat. She also benefits greatly from reload-based synergies.

Recommended Talents:

• Psionic Combo: One of Claire’s strongest options. Extra Psionic procs and an additional slot make this Talent easy to build around.
• Charged Shot: Essential for Chase builds and great for crowd control thanks to its stun effect.
• Duel: Works well if you do not already have a high-damage shotgun. Best taken after Psionic Combo for better synergy.
• Shield Counter: Very strong with Poison armor builds, but not ideal as a first Talent.
• Ascend: Situational and better as a later pick, especially when combined with luck-focused upgrades.

Best Mors Talents

Mors plays similarly to Claire at close range but is much tankier. His strength comes from defensive synergies that convert survivability into damage.

Recommended Talents:

• Charge: The core of Tactical builds. Free Tactical procs after dashing can lead to massive damage spikes.
• Psionic Shield + Shield Counter: A strong combo that generates armor and converts it into offense. Works extremely well with Poison armor buffs.
• Twin Fire: Can be effective in certain setups, but not as reliable as the main options above.
• Ascend: Not recommended early, but useful later as a support Talent.

Best Katerina Talents

Katerina has some of the highest base damage in the game. Her builds focus on making every shot count, especially with piercing attacks.

Recommended Talents:

• Psionic Combo: Excellent for Psionic builds, especially when paired with high mobility like Lightning dash.
• Drone Gun: Ideal for safer playstyles where positioning and sustained damage matter.
• Crit Bullet: Scales very well with better gear. Once crit chance is high, this Talent greatly improves piercing damage.
• Absolute Defense: Helpful in high Risk runs where mistakes are costly.
• Apocalypse: Best used later to lock in specific builds and remove unwanted upgrades.

Best Luna Talents

Luna is one of the strongest characters for Tactical builds, offering steady damage and strong scaling.

Recommended Talents:

• Bounty: One of the strongest Tactical Talents in the game. It provides damage scaling and an extra slot, making it essential.
• Overload: Works alongside Bounty for a flat damage increase.
• Arrow Rain: A simple and reliable DPS boost that fits almost any build.
• Chain Chase: Useful for secondary Chase setups, though more situational.
• Absolute Defense and Apocalypse: Helpful in late-game or high Risk runs, especially when aiming for specific elemental builds.

Building correctly in R.I.P. Reincarnation Insurance Program is all about focus. Each character performs best when their Talents match their strengths instead of spreading upgrades too thin. By choosing the right Talents early and refining your build as the run progresses, you can handle higher Risk levels more consistently and push deeper into the game.