Actuarial Consultant for Tribulation Insurance

Tribulation can be fatal, and wherever there are people, there is insurance.

Lu Heng is the actuary at the cultivation world's first Tribulation Insurance Company. His job isn't to help people survive tribulations, but to draft exclusion clauses: under what conditions claims will be denied, and how to shift all the risk onto policyholders.

Three years ago, his younger sister's claim was denied under "Template Clause 7," and her spirit was scattered. Three years later, he discovers that the company is using the clauses he drafted himself to drive desperate old cultivators to their deaths.

When he tries to carve out a way to survive in the fine print, he threatens the interests of the company's leadership.

A notice denying him coverage is issued, and Lu Heng is blacklisted across the entire industry. He has only 180 days until his Ninth Heavenly Tribulation.

"If you won't insure me, then I'll rewrite the rules of the cultivation world."

With no System and no cheats, he relies only on his professional actuarial expertise, exploiting loopholes in the clauses to turn the tables on the entire cultivation world.

When the day comes and the heavenly lightning falls, he will show all the immortals and gods in the skies that an actuary's life is valued by its owner!