Era of Ten Thousand Races: Ultimate Underwriting

Thirty-year-old Zhang Deshuai originally thought that the biggest crisis in his life would be the electronic city flood case with a compensation amount of 52 million, and a resignation application letter asking him to "get out of his own accord." Until the day of the heavy rain, he saw the signature on the policy squirming like a bug, and a strange APP called "Claims Assessment System" appeared on his phone. "An 'unnatural danger' has been detected, and illegal spirits have invaded reality. Recommendation: Deny compensation." Since then, the world has changed. In the eyes of ordinary people, it is a flood that destroys the world, the resurrection of ancient gods, and the arrival of alien civilization; But in Zhang Deshuai's eyes, it was a "karma fraud" full of loopholes, and illegal operations that tried to illegally tamper with the underlying code of the universe. Thousands of races compete for hegemony, and the strong are like a forest. There are ancient cultivators who moved mountains and reclaimed seas, aliens who ascended mechanically, and even star spirits who lived in high dimensions. They regard the earth as a testing ground and human beings as NPCs that can be modified at will. Until they met Zhang Deshuai. "According to Article 4 of the Universal Terms of the Universe, those who arrive illegally and fail to pay the 'causal premium' will be deemed to have invalid armor." "Why do you ask me? Just because of this ultimate insurance policy that covers the entire human race, and the manager writes my name." I am Zhang Deshuai, an ordinary insurance underwriter. It doesn't matter whether you are a god or a devil, with me, as long as the contract is not compliant, I will refuse compensation!