A cold case heats up when Kelvin Frost, believed to have drowned in Alabama, returns from the dead to apply for more life insurance.
Or has he? When a body-a dead body-identified as Kelvin Frost, turns up in Miami, murder complicates matters.
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.