Is Afterlife Insurance legal in Standard, Modern, and Commander?

Afterlife Insurance is legal in: Legacy, Vintage, Commander.

Afterlife Insurance

Q: What type of card is Afterlife Insurance?

Afterlife Insurance is an Instant. Its oracle text reads: "Creatures you control gain afterlife 1 until end of turn. Draw a card. (When a creature with afterlife 1 dies, create a 1/1 white and black Spirit creature token with flying.) *As far as the Orzhov Syndicate is concerned, it is the height of irresponsibility not to have a plan for your own ghost.*"

Instant

Creatures you control gain afterlife 1 until end of turn. Draw a card. (When a creature with afterlife 1 dies, create a 1/1 white and black Spirit creature token with flying.)

*As far as the Orzhov Syndicate is concerned, it is the height of irresponsibility not to have a plan for your own ghost.*

Set Ravnica: Clue Edition

Rarity Uncommon

Mana Value 2

Artist Elizabeth Peiró

Collector # 23

Scryfall