When people with no obvious connections to each other are dying in what appear to be legitimate accidents -- a fall down the stairs, a single-vehicle car crash, a drowning in a hot tub -- nothing seems amiss. Until, Detective Inspector Carol Ashton receives a call from a private investigator who works for a number of insurance companies. Recently, several large life insurance policy pay outs seem questionable but there is no proof of wrongdoing. As Carol begins an investigation of the completely unrelated deaths, she realizes this could be the toughest case of her career and perhaps, one impossible to solve.