A cold case heats up when Kelvin Frost, believed to have drowned in Alabama, returns from the dead to apply for more life insurance.
Enter Luna Nightcrow, the insurance fraud investigator whose "smartphone never sleeps." After recovering a valuable Cherokee relic, Nightcrow accepts Charmed Life Mutual Insurance\'s offer of $50,000 to sniff out and close down the K-Frost Caper..
Or has he? When a body-a dead body-identified as Kelvin Frost, turns up in Miami, murder complicates matters.
A cold case heats up when Kelvin Frost, believed to have drowned in Alabama, returns from the dead to apply for more life insurance