The day Lin Hai died, he lived three lifetimes in three seconds.
In the first second, he saw his own hand: five translucent fingers, with his wedding ring still on. Liu Mengyao had said they'd trade it for a bigger platinum ring once they got rich. Back then, he didn't know that her plan to “get rich” was his accidental death insurance policy, with a twenty-million payout.
In the second second, he heard a sound. Not a person speaking, but a mechanical hum coming from every direction. He tried to breathe, but there was no need anymore.
In the third second, he saw light. Gray light. The outline of a gray robe. Dark red eyes. He was given a number: M-87294.
Then he was told that his wife and business partner had killed him for the two-million insurance payout. And in the underworld, murder wasn't a crime. It was just “reducing the population.”
He couldn't sue. He was dead.
But he still had a chance.
The King of Hell made him an offer: sell a thousand underworld insurance policies, earn enough merit, and he could be reincarnated with his memories intact. Then he could go back and get revenge.
What is underworld insurance?
Insurance from the underworld: it protects the soul's memories.
Before reincarnation, you take a sip of the River of Forgetfulness, and your past life is wiped clean. Your parents, your beloved, your children, your enemies: you forget them all. Then you become someone else, live from the beginning, forget again, reincarnate again, forget again…
An eraser keeps wiping the blackboard, over and over.
But some people don't want to forget.
An insurance policy isn't a product. It's the deepest promise one person can make to another.
Forgetting is the true death.
And here…is where you belong.
The narrative is smooth, the ideas are good, and it looks good.