Borrowed Time
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Your clock has long past ran out.
Benefits – You gain 3 chances, if your HP were to fall to 0, you may choose to regenerate your HP, MP and SP up to 50% of your maximum. Each time this occurs, you gain haste for 1 round. Each time this ability is used, you use one charge. You cannot regenerate these charges in any method short of a wish, 1 wish regenerates one charge per cast used.
Downsides – You are fated to die. Once you reach death’s door. You instead outright die, you cannot be brought back from the dead via resurrection short of a wish, but you can still be turned into a mindless undead.