The door to the Li family manor was opened, and two men in suits were greeted in, holding a black briefcase with a professional smile on their faces.
They are not relatives and friends of the Li family, nor are they guests who come to Daoxi, they are sent by the insurance company. Six months ago, Li Shilan bought a high amount of life insurance at their company, and now that she is dead, the insurance company wants to verify the situation and see if it meets the conditions for claims.
In the living room on the first floor of the Li Family Manor, we communicated with Captain Hou of the Criminal Police Team with two insurance inspectors.
These two people, at a glance, are a combination of teachers and apprentices: one is young, fair-skinned, eyebrows, wearing a pair of silver rimless glasses, giving people a sense of politeness, if not his identity, I thought he was some Internet celebrity or star; The other is older, gray-haired, sharp-eyed, and competently spoken, and at first glance, he is a veteran who has been in this industry for a long time, and his aura makes me a little uncomfortable. I couldn't help but think that this master was about my age, but he was already an expert, and I was laid off by an Internet company and became a waste that did not contribute to society, and I was really a failure.
For life insurance claims, a death certificate issued by the public security organ is required, which is the most basic requirement. When the criminal police team investigated the accident, they also wanted to know why Li Shilan bought such an insurance, whether he had any enemies or hidden secrets, and whether his death was really an accident. So, we share the same purpose as the people in the insurance company, which is to find out the truth.
However, the attitude of the two insurance investigators was very different, the older one, who looked accustomed to the storm, did not shy away from asking all kinds of sharp questions, his tone was calm and firm, and did not give anyone any chance to escape; The young one, on the other hand, seemed a little nervous and uncomfortable, his words were few, and he always said in circles, as if he could not bear to mention the word death directly, and his eyes did not dare to look directly at us, always flickering.
As a result, the conversation with the police was mainly carried out by the elderly investigator.
His name is Wang Zhigang, he is a senior business manager of an insurance company with rich experience and keen insight. Next to him, the young investigator named Li Ming, a newcomer to the insurance company, had just graduated from college, and this was his first time participating in such a case, so his performance seemed a little nervous and restrained.
"Can you tell us about the insurance that Li Shilan purchased at your company?" Captain Hou asked first, his tone calm, but his eyes sharp, as if he wanted to find some clues from their answers.
"Mr. Li purchased insurance from our company half a year ago. At that time, as a VIP customer, our company specially customized the protection plan for him, including life insurance and accident insurance, with a total sum insured of about 80 million yuan. Mr. Wang said, his voice clear and powerful, his fingers tapping lightly on his briefcase, which contained Mr. Li's insurance contract and related materials.
That's not a small number! Although as an IT dog, the salary was not low, and I carefully studied life insurance, but such a high insurance amount has never dared to be extravagant. I couldn't help but wonder what kind of business Li Shilan did, how could he have so much money, and he could buy such an insurance.
"So how is his premium paid?" Uncle Jiange asked, his eyes also shining with curiosity, he wanted to know what Li Shilan's financial situation was, whether there was anything suspicious.
"Oh, this one. His insurance was not tailored to him by our company, and he only needed to be insured until he was 60 years old, so our premium was quite favorable. Paid monthly, the monthly premium is almost 100,000 yuan, and a company under his name is responsible for crediting our company's account every month. Wang Zhigang said, the corners of his mouth slightly raised, as if satisfied with the premium, his fingers took out a bank statement from his briefcase and handed it to Uncle Jiange.
Uncle Jiange took the statement, read it carefully, then nodded with satisfaction and returned the statement to Wang Zhigang. He saw that the company under Li Shilan's name was called "Li's Biotechnology Co., Ltd.", and every month would pay 100,000 yuan in premiums to the insurance company's account on time, without any arrears or abnormalities.
The two sides were silent for a while, and Uncle Jiange asked another question: "Who is the designated beneficiary of the insurance purchased by Li Shilan?" Or is it the default legal representative? "
This question is critical because it involves the attribution of the claim amount and may also expose Li Shilan's family relationships and will.
"Oh! This ..." Wang Zhigang looked at the document in his hand, and then looked at Li Ming, as if he wanted him to answer this question, but Li Ming lowered his head and did not dare to answer, his face was a little flustered and embarrassed, his fingers kept rubbing the frame of his glasses, his lips were tightly closed, he was thinking in his heart, why ask this question, this question is too sensitive, he doesn't want to answer, he doesn't want to cause trouble.
"Mr. Li designated the beneficiary, and all the claims went to their son. Wang Zhigang finally said, his voice was a little heavy, his eyes were a little dodgy, his fingers were a little trembling, and he was thinking in his heart whether this answer would arouse the suspicion of the police, whether this answer was true, and whether this answer was legal.
"No one else? Uncle Jiange was quite surprised by this, sitting on the chair, he straightened up, his eyes looked at the two seriously, his brows were locked, the corners of his mouth drooped slightly, he thought in his heart, this answer is too strange, why did Li Shilan only designate his son as a beneficiary, didn't he have other relatives or friends, didn't he care about his wife, did he have any hidden feelings or motives.
The two whispered a few words, and then looked down at the documents in their hands. Finally raised his head and gave Liu Jiange a definite answer: "Yes." I think so, the beneficiary is only his son, and no one else. Wang Zhigang said, his voice is a little helpless, his eyes are a little innocent, his fingers are a little weak, he is thinking in his heart, this answer was filled in by Li Shilan himself, we have no right to modify or question, we just execute in accordance with the contract, we just do our work, we don't want to get involved in any disputes or dangers.
After another moment of silence, Uncle Jiange said, "I see." Said and took off his glasses and wiped them.
The silence lasted for a while, and an oppressive atmosphere filled the air. Finally, the senior investigator of the insurance company in the suit broke the silence and asked in a serious and polite tone: "So, regarding the cause of death of our insured Mr. Li Shilan, have you found out what caused it?" Is it really an explosion accident caused by a gas leak, or is there another possibility? "
This question attracted the attention of everyone present, and they all held their breath, waiting for an answer from Captain Hou of the Criminal Police Team. Captain Hou is a middle-aged man with a tall stature, a serious face and sharp eyes, he is the main person in charge of this case, and he knows the progress and details of this case well.
He pondered for a moment, and then said in a calm and authoritative tone: "We are still conducting in-depth investigation and analysis of this case, and have not reached a final conclusion, but according to the evidence and clues we have so far, we initially believe that Mr. Li Shilan's death was indeed caused by an explosion accident caused by a gas leak, and no other suspicious factors or signs have been found." "
"This way." The investigator of the insurance company nodded, his expression a little relieved, but still maintained a cautious and formal attitude, he said: "Then, if you have a final conclusion, please be sure to notify us in time, and we will process the claim according to your conclusion." If there is anything that requires the cooperation of our insurance company, please feel free to contact us, we will do our best to support and assist. We very much hope that we can provide reasonable compensation to Mr. Li Shilan's family as soon as possible so that they can emerge from the shadow of this tragedy as soon as possible. "
After watching the insurance investigator leave, Captain Hou and we stayed in the reception room to continue discussing the case.
"Do we have a call record of Li Shilan? Uncle Jiange picked up the teacup in front of him and took a sip.
"Yes, it has long been checked, this is standard operation. Captain Hou replied, "But I didn't find any problems." "
"Nothing out of the ordinary? "
"His phone messages in the past few days are quite normal, and he has not found any problems. This was the last call, which was received at 3:32 p.m. that day, and lasted about ten seconds.... "
"It was picked up almost before the fire. "
"This number has never been called before, and after we verified it, the other party was in Yunnan, saying that he did not remember making such a call, nor did he know such a person as Li Shilan, and there was no such record in the mobile phone call record." "
"That's interesting. "
"And it didn't. We have investigated, the two of them really did not know each other, there was no one around him who knew Li Shilan, the two had never had any intersection, and the other party had been staying in Zhaotong for a few days, and there could not be time to commit a crime. "
"It could just be a wrong call. "
"Yes, the other party also said so, saying that if it hits, it may be a mistake. "
"Alright! In this case, it seems that this clue is completely useless. Uncle Jiange looked disappointed.
"Ah! ~~~~"
At this time, there was a scream, as if coming from underground, which startled us all.
Captain Hou was the first to jump up from his chair like a spring and rushed out towards the door of the living room, followed by Uncle Jiange and walked out. Lacking professional sensitivity, I was stunned for a while before reacting, and followed them to the living room.
Their little nanny, Zhang Mengling, stumbled up the basement stairs and collapsed on the ground, but fortunately Captain Hou quickly helped her. She looked in a bad state, her face was pale, she pointed to the stairs and said incoherently, "Below!" Dead person! Dead person! "
Listening to her confusing words, Captain Hou turned his head to look at us, helped her to the sofa and sat down, and then walked to the basement with Uncle Jiange. Liu Xiaojing, who heard the screams coming down from upstairs, went to pour her a glass of water, and then sat next to her to comfort her.
I followed Captain Hou and Uncle Jiange to the basement.
There are several rooms in the basement of this villa, and we searched for a while before we found the problem in the storage room.
This storage room is very large, and there are several rows of shelves neatly arranged inside, which are full of all kinds of daily necessities and food, such as paper towels, laundry detergent, shower gel, grain, oil, rice noodles, canned food, everything. Inside against the wall are several freezers with a variety of meat and other frozen foods.
Captain Hou and Uncle Jiange opened each freezer one by one, and finally found the body in the freezer farthest inside.
So Captain Hou immediately shook the man, called his subordinates, and more than ten minutes later, they rushed over and immediately investigated the scene where the body was found. He himself came up with us to meet the people of the Li Family Manor.
At this time, Zhang Mengling had eased up, holding a cup and slowly drinking hot water, and Liu Xiaojing was accompanying her.
We went upstairs and saw Liu Xiaojing sitting on the sofa in the living room, her face pale, holding a handkerchief in her hand, constantly wiping the sweat from her forehead.
As soon as she saw us, she hurriedly stood up and asked nervously: "Officer, what happened?" There's a dead man in the basement of my house? "
"I'm afraid so. Don't you know that there is a corpse in the basement of your house? Captain Hou asked her in a serious tone, wanting to see her reaction.
"Oh! My God! Liu Xiaojing exclaimed, covered her mouth, her eyes were full of fear and incredulity, "There is actually such a thing!" No! I do not know! I haven't been to the basement for a long time! She quickly shook her head in denial, her voice trembling.
"Okay. I understand that I will need to communicate with you one by one later, and I hope you can cooperate. Captain Hou said to her, motioning for her to sit down first, then turn to the others to see their expressions.
After a while, the medical examiner came up, holding a folder in his hand, with a hint of exhaustion and confusion on his face. He walked up to Captain Hou and told him that he had completed the on-site investigation of the body and that there was nothing more to do here, and that he could pull it back to the Public Security Bureau for further examination.
"The time of death is not easy to judge at the moment because it has been in the freezer, but it looks like it may be more than a week. At the same time, the body surface examination found no trauma, and there were no signs of poisoning for the time being, and the cause of death must be returned to the laboratory for further autopsy. He gave a brief briefing to Captain Hou and handed him the folder with some photos and records.
Captain Hou looked puzzled, nodded and let the forensic doctor withdraw first with the body. He opened the folder, looked through it, then raised his head and said the doubts in his heart to Uncle Jiange.
"This is really strange, how can there be a corpse in Li Shilan's house? And he is also a strange man, it seems to be a middle-aged man, have you ever seen him? Captain Hou asked, showing Uncle Jiange a frontal photo of the corpse.
"This is really interesting, Li Shilan actually has a corpse in his house!" Uncle Jiange did not answer Captain Hou's question, talking to himself, and a strange light flashed in his eyes.
"Let's go see the scene of the fire again. "Two hours later, while I was drowsy in my own guest room, Uncle Jiange suddenly came knocking on my door.
"Uncle, have you discovered something new?" I opened the door and stretched.
"I think I already know something, but I'm not sure I'm sure I'll need to see it again." He touched the back of his round head.
"Alas~~ Okay, let's go downstairs then. "Although not too happy, I accepted the invitation.
We went downstairs and into the restaurant, and I turned on the lights.
The restaurant is still the same as it was a few days ago, and the police cordon is still pulled at the door of the restaurant. Uncle Jiange was the first to bend over the police belt and enter the restaurant, and I followed suit.
This time, he became interested in the kitchen door and kept looking around the door.
This is a very ordinary aluminum alloy door, what color it was no longer clear, now it has been burned black, and it is somewhat distorted. The door was originally studded with glass, but it had been shattered, revealing a bare hole. On the ground is a ground of broken glass slag, but there is no large piece of broken glass, all of it is fine slag, in the form of grains, so I guess this door should be set with tempered glass. There are still some burnt marks on the edge of the door, which looks like it has been burned by fire, and the door lock has also been burned out of shape, and it is likely impossible to unscrew it . On the other side of the door was a wall, there were also some black smoke marks on the wall, and some burnt paper in the corner, I don't know what it was. Next to the door was a table with some clutter on it, some papers, some cigarette butts, some cups, and some burnt stuff, not knowing what it was. Underneath the table was a chair, the back of which had been burned off, and the cushion of the chair was also charred black, giving off a bad smell.
Uncle Jiange carefully looked around the door up and down, left and right, and finally fell on the door lock.
This is also a very common lock, which has been burned so that the original color cannot be seen, but the shape has not changed, and it can be seen that it is a handful A very common ball lock with a spherical handle on each side of the door, and then in the center of the handle, the side outside the door is a keyhole, and the side inside the door is also a keyhole. The keyhole of this lock is a round shape with a small groove for inserting the key. There are some burnt marks around the keyhole, which looks like it has been burned by high temperature, and there are some black ashes inside the keyhole, I don't know if it is burned out. There are also some burnt marks on the surface of the handle, some burn marks on the edge of the handle, it looks like it was dragged by someone, and there are some blood stains under the handle, I don't know who it is. There is a small button next to the handle that can be pressed to lock or open the door, and there are some burnt marks on the surface of the button, and there are some scratches around the button, which look like someone has scratched it with something to try to open the door.
Uncle Jiange took out a disposable plastic glove from his pocket, put it on his right hand, and then held the ball handle on the inside of the door lock and twisted it, but unfortunately, the door lock did not react, it seems that it may have been burned.
He half-crouched down again and looked very closely at the ordinary door lock with ball handles on both sides, and took out his mobile phone to take several pictures of it from various angles, although as a detective layman, I basically didn't know what he saw.
After a while, Uncle Jiange stood up, put the phone in his pocket, and said to me: "Let's go, let's go back and rest." There's not much to see here for the time being. "
"Oh." I followed him back in confusion, not knowing what he had found.
"Did you find anything strange? I saw you look at the door lock for a long time. "On the way back to my room, I asked Uncle Jiange.
"I did find something that confirmed my little conjecture. "
"Oh? What is that? "I'm curious.
"Didn't you also watch it for a long time? Don't you see something? "
"Uh~~~~ Not really." I answered honestly.
In fact, the answer is obvious, right in front of your eyes. However, this conjecture is only a little bit of my idea, and other evidence is needed to corroborate, and I need to confirm it again. "
"So what exactly is it?" I can't wait to find out.
"Don't worry, I'll tell you when I confirm it." "
All right.