Retirement and Death

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If you wish to retire your character, no action is necessary other than just no longer signing in. The game will count the character as deactivated after two weeks of inactivity. If you change your mind, just log into that character again.

If your character dies, all of the spent XP on the character's sheet goes with them. You can transfer your unspent XP across your alts at any time at your sole discretion so long as both characters in the transaction are approved at the time. So, you technically can transfer unspent XP right as your character dies. If you forget to do this and your character gets deactivated then that's kind of on you, man.