I got something that (according to a quick site search) appears to be genuinely novel/fun/useful.
DMG2 has Bonding Rituals, which let a character ignore the normal prerequisites for creating an item (such as the ability to cast a certain spell), the exception being non-item-creation feats and caster level, which must either be met otherwise or be equal or less to current character level. The character must still expend the GP and EXP, meet the prequesites of the ritual (can be met by 3rd level), and they can only have one Bonded Item at a time.
The fun part: the Ritual of Faith (pre: Knowledge Religion (3 ranks), 2nd level divine spells) specifically mentions that it can be applied to phylacteries. This means that any character capable of casting 2nd level divine spells that has the means to boost his CL to at least 11 (e.g. Ghostwalk Circle Magic) can construct themselves a Lich's Phylactery, if he has enouch exp/cash to burn.
tl;dr: Ritual of Faith theoretically allows 3rd level Clerics to acquire the Lich template without wasting permanent resources.