Here is another option for Cut-Rate Resurrection.
Raise Dead. As the Resurrection spell, but not as quick. 100 energy ($5000 in town), needs PI 4. The newly raised subject is at 0 HP and 0 FP, like normal Resurrection, but also needs a month to recover. Until the subject can rest in town (not carried around in a wagon, litter, by a comrade, etc.) for one month straight, her or she is capable of only limited actions, and is not capable of combat, spellcasting, or adventuring.
Or you can be really mean, and do this:
Risky Resurrection. Resurrection costs 300 energy because it restores the victim to life without fail . . . if you get the spell off. The casting cost can be reduced 100 energy ($5000 in town) if you're willing to take a chance it doesn't work. If the spell succeeds, the victim gets to make a HT roll (plus Fit, etc. but not Hard to Kill) with a bonus of +1 for every point the Resurrection spell succeeded by. If the subject makes the roll, he or she is resurrected. If the subject fails, he or she stays dead! One Try - if it fails, you can try full-power Resurrection . . . but the spell is cast at -5 and the subject must make the HT roll as above. If that fails, it's over.
I forgot to mention prereq for the previous version - I'll edit them in. I think Power Investiture 4 or Magery 4, Lend Vitality, and 4 Necromancy spells including Summon Spirit. Mages can bring back the dead, too - heck, let PCs do it. It costs their buddies 26 character points . . .