Insurance investigator, Ryan Monahan is on the job again. This time he is looking for a reason not to pay on the 5 million dollar double indemnity life insurance policy Ana Bacon took out on herself. Ana was married to Tom Bacon, who was working as a stock trader when he made a horrible mistake that cost him his job. Her administrative assistant position was not pulling in enough money for them to maintain their lifestyle. And yet somehow, they are on a cruise to the Bahamas and Ana falls overboard, not to be found. Luckily for Tom, witnesses place him nowhere near Ana at the time. Monahan finds inconsistencies and lies, and the trail takes the reader through a web of desperation, deception and secrets. Just how far would you go if you thought you could get away with it?