Premium Deception

In the grey coastal town of Thornhaven, insurance investigator Leo Vane uncovers a routine traffic fatality that reeks of calculation. As he digs deeper, near-fatal accidents stalk his every move, and the mastermind behind the scheme proves to be his own former mentor—a man who doesn't just fake claims, but systematically dismantles the will of his pawns. This is a story about how psychological coercion reduces victims to hollow instruments, and one man's fight to reclaim his agency before the final policy pays out in blood.