Chapter 663 - 662: The Insurance Red Line
Lu Xinyi glanced at him: "Not bad, you’ve improved a bit.
"But not by much.
"Don’t forget, he’s a lawyer. In this game, he has plenty of tricks up his sleeve. Just watch patiently.
"If something unexpected happens... that’s actually a good thing.
"Getting him with just an Immunity Coupon is a deal too good to pass up."
Cheng Wen was stunned for a moment: "Oh? Right, there’s the Immunity Coupon!"
According to the game rules, even if an actor fails in this game, they merely face instant death punishment, which means they can be saved with an Immunity Coupon.
Cheng Wen didn’t know if Community 2 had an Immunity Coupon, but Community 3 did.
As long as Lin Sizhi was brought to Community 3 first, the Immunity Coupon could be used immediately to save him.
Thinking of this, Cheng Wen wasn’t too worried and continued to watch attentively.
...
The audience in Community 2.
Huang Shengjie suddenly realized something was off: "Eh? Qin Cheng, why do I feel like Bai Zilan seems to be siding more and more with Tang Qing?
"When the game started, Bai Zilan seemed to be targeting him a bit."
Qin Cheng nodded: "Your feeling is correct.
"The reason Bai Zilan wanted to grab the ’host’ position was not only to position herself smoothly but also to intervene more effectively after picking a side.
"She has confirmed that Tang Qing has a clear advantage, so she’s starting to provide limited help to Tang Qing.
"Of course, her stance isn’t as firm as Chen Yumei’s; if the situation changes later, she might continue to pretend to be ’neutral’ and waver."
...
Bai Zilan looked at everyone: "Does anyone think there are any other doubts about this inference?
"If not, let’s adjourn for now and see if there is any other evidence or clues."
Lin Sizhi stood up from his seat: "Of course there are doubts.
"In fact, the insurance industry has a strict risk control red line, which is not clearly mentioned in the Insurance Law, but it does exist internally in insurance companies and regulatory departments.
"Simply put, it’s an industry unwritten rule: accident insurance coverage is usually about 10 to 20 times the insured person’s annual income, while life insurance is about 5 to 10 times.
"Think about it, if the woman is an ordinary office worker and the man wants to buy tens of millions in insurance for her, would an insurance company agree?
"Of course not, insurance companies aren’t that dumb.
"In fact, even if the woman is a white-collar worker earning over ten thousand a month, the maximum coverage she could buy is probably around 2 million, possibly much less.
"Buying from multiple insurance companies is useless, as mentioned before, insurance companies are all data-connected internally.
"Once outside reasonable limits, the insurance company will be alerted, and this contract is absolutely impossible to establish."
Lin Sizhi paused briefly and continued:
"According to this policy, the man successfully bought insurance worth nearly ten million for the woman, and from the insurance company’s perspective, the woman must at least meet the following conditions for approval:
"An annual income of at least 500,000 to 1,000,000;
"Owning major assets worth ten million or more, like providing property deeds, equity certificates, large deposit certificates to the insurance company;
"Or she herself is a well-known entrepreneur, executive of a listed company, high-net-worth professional, etc.
"But unfortunately, I currently see no evidence that the woman had such conditions.
"Quite the opposite, from the woman’s current portrayal, she is far from the image of a ’high-net-worth individual.’
"Whether she is an executive earning millions annually or a rich second-generation with wealthy parents, she wouldn’t likely marry without a thorough background check.
"In fact, given the disparity in their social standing, they wouldn’t even meet, let alone fall in love and marry.
"So, I believe the ’murder for insurance’ theory still has doubts and shouldn’t be concluded so hastily."
Bai Zilan was silent for a moment, then nodded: "Hmm, Lawyer Lin did bring up a very critical point.
"So, I would like to ask the esteemed jurors to verify whether Lawyer Lin’s ’professional knowledge about the insurance industry’ is true."
[Jury representative Bai Zilan suggests verifying the authenticity of the ’lawyer’s testimony about the insurance industry.’]
[If 10 jurors agree to verify, 500 minutes of visa time will be deducted from each, and the result will be determined.]
Cheng Wen quickly pressed the ’Verify’ button.
The number of players choosing to verify almost instantly reached 10 people.
[The ’lawyer’s testimony about the insurance industry’ contains no false information.]
[Insurance companies have stringent financial underwriting rules; only truly financially sound high-net-worth individuals can legally hold a 10 million-dollar policy.]
Bai Zilan was silent for a moment, then looked at Lin Sizhi again: "Alright, Lawyer Lin, do you have any other ’possibility analyses’?"
Lin Sizhi shook his head: "Not for now."
Bai Zilan looked at everyone: "Then, currently, there are still only two possibility analyses, ’suicide pact’ and ’murder for insurance.’ Please, esteemed jurors, cast your votes."
Soon, the voting was completed.
[Truth Vote]
[Do you believe Lawyer Lin Sizhi’s ’possibility analysis - suicide pact’ is the truth of the case?]
[Yes: 27 votes]
[No: 73 votes]
[The ’possibility analysis - suicide pact’ is not recognized as the case truth.]
[Truth Vote]
[Do you believe Detective Tang Qing’s ’possibility analysis - murder for insurance’ is the truth of the case?]
[Yes: 48 votes]
[No: 52 votes]
[The ’possibility analysis - murder for insurance’ is not recognized as the case truth.]
[Entering adjournment, the trial will continue in 10 minutes.]
...
Huang Shengjie breathed a sigh of relief: "Oh good, Lawyer Lin really knows his stuff, I almost thought Tang Qing’s possibility analysis would be passed this time.
"But... isn’t Lawyer Lin just in a passive defense mode, dragging out time?
"He can’t go to the evidence room to find anything to his advantage, and probably has a blank slate, which is really passive.
"This can’t go on forever. What if Tang Qing and Wang Yongxin present new evidence?
"Qin Cheng, what do you think? What’s really the truth of this case?"
Qin Cheng’s expression was also somewhat grave: "Hard to say, but the possibility of ’murder for insurance’ is indeed increasing.
"Because a lot of evidence points in that direction.
"No matter how bizarre the reasoning process, if the evidence precisely points to the only possibility, then that’s the truth.
"Even though Lawyer Lin provided strong doubts, the votes show the number of people agreeing with ’murder for insurance’ is slowly increasing, and those agreeing with ’suicide pact’ is decreasing.
"We are definitely backing Lawyer Lin, but this way of voting isn’t unlimited.
"Once Tang Qing completes the evidence chain, leaving us no reason to doubt, the game’s ’forced judgment’ will kick in.
"Then even if we pay 5000 minutes of visa time to vote against our will, it can only be done three times.
"The final result would still be Tang Qing’s victory."