Depends
In my current campaign, the PCs are 11th-12th level so the party cleric can cast raise dead. However, of the PCs who have died, most have elected to stay dead and roll up a new character. Saying that, when the party were at much lower levels and one of them got level drained, he had to perform a service for the local temple just to get restored.
In another campaign, we didn't have a cleric, but managed performed a side-quest to the planes to recover a dead PC.
If the party cannot cast the spells themselves, then I am a firm believer in some sort of quest/service in addition to huge sacks of gold. Makes for a more interesting campaign and gives the PCs an extra incentive not to get killed!
Bigwilly
In my current campaign, the PCs are 11th-12th level so the party cleric can cast raise dead. However, of the PCs who have died, most have elected to stay dead and roll up a new character. Saying that, when the party were at much lower levels and one of them got level drained, he had to perform a service for the local temple just to get restored.
In another campaign, we didn't have a cleric, but managed performed a side-quest to the planes to recover a dead PC.
If the party cannot cast the spells themselves, then I am a firm believer in some sort of quest/service in addition to huge sacks of gold. Makes for a more interesting campaign and gives the PCs an extra incentive not to get killed!
Bigwilly