Gu Mingyuan has been cremated for twelve days, yet his insurance account passed a live-person verification three days ago and even submitted a request to change the beneficiary.
Who is operating a dead man's account?
Claims investigator Zhou Yu takes on the 6.8-million-yuan claim. The family members each have their own story, but the verification record cannot explain who was in front of the screen.
He thinks the case will be over once he determines the cause of death, verifies the policy, and confirms the beneficiary.
Then another claim is settled. As soon as the family receives the payout, they transfer a sum to repay an advance and service fees from earlier.
Following that transfer, Zhou Yu and medical review consultant Xu Zhiwei discover that several unrelated families have all dealt with the same service company. Some really did receive help. Some only discovered the extra charges when it was time to repay. Others deny ever signing the agreement.
Every death has its own answers, but where the payouts go leaves new questions.
Those hands reaching out when families are at their most vulnerable: what are they really helping with, and how much will they take back?
