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Insurance investigator Abraham Holt travels to a tiny town in rural Minnesota to look into a particularly unusual insurance claim stemming from a horrific car accident. As Holt examines the scene of the wreck, it all seems a bit too perfect. And when he interviews Isold Mcbride and her shifty husband, Fred -- the impoverished beneficiaries of the massive, recently initiated life-insurance policy -- he begins to suspect that something is amiss.