Kotak Life Insurance Surrender

Dunia tidak lagi sama setelah kejadian yang dikenal sebagai Chrono Convergence. Apa yang dulunya hanya sebuah game virtual bernama Chrono Life, kini menjadi kenyataan yang tak dapat dijelaskan. Monster, dungeon, dan sistem level yang sebelumnya hanya ada dalam dunia digital, kini merasuki realitas. Seluruh umat manusia dihadapkan pada tantangan baru, di mana batas antara permainan dan kenyataan telah lenyap. Di tengah kekacauan ini, Demiurgos, seorang pemain biasa yang dulunya dikenal sebagai "grinder" tanpa bakat istimewa, terbangun untuk menemukan bahwa semua kekuatan, loot, dan level yang ia kumpulkan di Chrono Life kini hadir dalam tubuhnya di dunia nyata. Namun, alih-alih kegembiraan, ia merasa takut—karena ia tahu satu hal yang membedakan dunia nyata ini dari game: kematian di sini adalah akhir yang sesungguhnya. Saat seluruh dunia berjuang untuk bertahan hidup, organisasi besar seperti PBB membentuk Player Association, mengumpulkan para pemain terkuat untuk melindungi bumi dari ancaman monster dan dungeon yang terus bermunculan. Tapi Demiurgos punya rencana lain. Dia tidak ingin berada di bawah kendali siapa pun, apalagi mereka yang memanfaatkan kekuatan para pemain demi keuntungan mereka. Dengan talent tier F yang dianggap lemah, namun berbekal kerja keras dan skill spesialnya yang unik, Observe, Demiurgos memutuskan untuk bertahan hidup dengan caranya sendiri—menjaga kebebasannya dan menemukan rahasia di balik peristiwa aneh ini. Namun, di balik kegelapan, sebuah rahasia besar tersembunyi, dan setiap langkah yang ia ambil membawanya semakin dekat pada kebenaran yang mengancam tidak hanya dirinya, tetapi juga seluruh umat manusia.

Bagi para pebisnis dan orang-orang yang mengikuti perkembangan ekonomi, definisi Justin Alexander adalah: Nyaris sempurna. Dia tampan. Dia seksi. Dia billionaire. Dia mampu membuat para wanita bertekuk lutut. Namun, ada rumor yang mengatakan bahwa dia adalah bajingan. Kepribadiannya begitu dingin dan beku. Singkat kata, ia adalah pria jenius yang mengerikan. Justin dan Violette adalah teman sejak kecil; mereka adalah rekan di dalam sebuah organisasi yang mengerikan di Perancis. Saat organisasi itu hancur, mereka berdua pergi ke New York dan terpisah. Justin jadi seorang CEO di perusahaan yang tadinya milik pamannya: Alexander Enterprises Holdings, Inc. Tanpa disangka-sangka, Violette baru-baru ini bekerja di sana tanpa mengetahui bahwa Justinlah CEO-nya. Apa yang terjadi ketika mereka berdua saling bertemu kembali, tetapi sudah saling berbeda sifat satu sama lain? Bagaimana bisa Violette yang berubah menjadi wanita judes, cerewet, banyak omong, 'nyengir' sana-sini, dan selalu punya aksi stress itu bisa menarik hati Justin Alexander yang terkenal dingin dan misterius...yang bahkan wajahnya tak pernah diketahui oleh nyaris seluruh karyawan bawahannya? Tambahan dari Violette: berhati-hatilah! Justin Alexander ternyata adalah seorang perayu ulung yang mesum!

After dying in his previous life, Kaito Nakamura finds himself in a strange new world, free from the weight of past regrets. Surrounded by unfamiliar faces, he begins to carve out a new life, one filled with hope and the chance for personal growth. But as time passes, Kaito soon discovers that this world holds far more challenges than he ever imagined—challenges that test his resolve, his desires, and his understanding of what it means to truly live. In a world where loss is inevitable, Kaito is forced to confront the darkness that lingers within him and the painful sacrifices that come with seeking redemption. Will he be able to rise above the tragedies that define his existence, or will he become a victim of his own unresolved past? MC name: Kaito Nakamura. Age: 17. You can also join my discord, patreon or follow me on tiktok for more content, through my link tree: https://linktr.ee/Mr_Mellman This story is authored by Mellman. I also publish under the names Mellmann and Mellman Nordberg. I will be releasing my novel on Royal road. My email address is @melwin.08.nordberg@gmail.com

Laura suddenly has the ability to dream tragedy that not yet happened. Will she able to alter the things that not yet happened? Why she suddenly has this ability? And what will she do with this ability?

Jayden, a teenager from America, moves to Mombasa to live with his grandmother and learn about the culture where he was born. Adjusting to life in a new environment, Jayden struggles with routines and expectations. His first day of school sets the stage for a dramatic encounter. After staying up all night playing video games, he wakes up late and rushes to class. On his way, he stumbles upon Ali, a fellow student, being beaten by a group of bullies. Despite being new and knowing no one, Jayden intervenes, showcasing impressive fighting skills as he takes down the attackers. Ali is shocked that someone would help him, especially since most of their schoolmates ostracize him, seeing him as a troublemaker. Jayden, however, recognizes Ali’s situation and offers him advice, urging him not to let himself be a target again. The brief but intense encounter sparks an unexpected connection between the two boys. At school, Jayden is further introduced to his classmates, including Digler, a new transfer student from Nairobi. Digler is bold, charismatic, and unapologetically confident, immediately drawing attention. He takes a seat beside Jayden and strikes up a conversation, showing interest in Jayden’s background and life in America. Digler’s casual charm hides a deeper layer of unpredictability, as he is known to have a reputation for trouble. Throughout the day, Digler’s carefree and rebellious attitude contrasts with Ali’s reserved and cautious nature. While Jayden begins to form a bond with Digler, Ali remains skeptical, warning Jayden to be careful around him. Ali’s wariness stems from his own experiences with people who exude charm but bring chaos. As the three boys navigate the dynamics of their new friendship, the story highlights their individual struggles and personalities. Jayden, still adjusting to his new environment, shows a natural ability to connect with people through his actions rather than words. Ali, who is used to being judged harshly, begins to see a glimmer of hope in the possibility of genuine friendship. Digler, meanwhile, remains an enigma, with his playful demeanor masking the potential for deeper conflicts or alliances. Set against the vibrant backdrop of Mombasa, the story explores themes of identity, trust, and belonging. Each boy brings a unique perspective shaped by their past experiences, and their interactions challenge them to confront their own assumptions and fears. Jayden’s journey from a quiet, isolated individual to someone willing to stand up for others sets the tone for a narrative that promises growth, camaraderie, and unexpected challenges ahead. With Jayden, Ali, and Digler all sharing the same classroom, their intersecting paths hint at a developing story of friendship, rivalry, and the trials of navigating life as teenagers in a culturally rich yet complicated environment.

Is a Black Raven omen of death? - said by Hollow Kid

In a world where bio-enhancements and cybernetics are the norm, the BioSynth Collective and the Cybernetic Ascendancy are locked in a brutal war. Eryndor, a boy born into the BioSynth Collective, is classified as a C-Class Spawn—seen as nothing more than a third-class citizen with no voice, no freedom, and no future. However, when memories from his past life resurface, he discovers he was once the renowned hacker known as Phantom. Armed with his regained skills, Eryndor must navigate this oppressive world and fight to reclaim his destiny. DISCLAIMER This work is a piece of fiction. Any resemblance to real people, organizations, events, or places is purely coincidental.

Ale, the 'Incarnation of an ancient saint', 'An angel', 'The right hand of God', he goes by many names within the people of his duchy. And just like those names suggests, he's a kind, understanding, smart yet down to earth soul, someone you'd look for in times of despair.He was like a Messiah, an example for others to look up to. And he achieved all that within three years. Before that, nobody even acknowledged his existence. Now, you may ask what could've happened three years ago that changed him like this, which gave birth to this hero. To answer your question, it's 'death'. He died. Not three years ago but twenty years into the future. He died twenty years later in the future and then came back to the past, to the beginning of everything, to a time where nothing had gone wrong. He lived a miserable life and died a miserable death. All he wanted was to do was help people and be a good person, but what he received in return was a world of pain, the death of his loved ones and the title of 'The betrayer of humanity'. It was him against the entire world, a life full of misunderstanding. Yet, all he did was helping a wounded soul. He received all that for helping someone he shouldn't have, for befriending someone he should've killed at first site. He befriended a demon. But it was all in the past now. The future he experienced no longer existed. The naïve young master was no longer there. The Ale of present was a person with knowledge, experience and skill unlike no other. And this time, he wasn't going to repeat the mistakes of his past anymore. He wasn't going to walk a road of ignorance and foolishness. This time, what path will he choose? In this second chance, what mistakes will he undo and what enemies will he need to deal with? Will he be able to save his loved ones in this life? And in the end, what will happen to Ale, this man full of unseen scars and wounds? Will he actually be able to heal?

Oceana Lyndon the illegitimate daughter of the influential Lyndon family navigates life as the illegitimate child of the Lyndon family scorned by everyone she knew will she be able to pick the pieces of her life? with her mother now returning to set things back on track will Irene Brown fail? when responsibilities meet Oceana will she be able to navigate her complex emotions and open herself to this responsibilities. Entangled with someone she should never have will Oceana Lyndon thrive??

the main character (kenji Kobayashi) isn't interested in anything but surfer or so he thought

Mai is a child who has lived several past lives, some mysterious and others tragic. Now, when her fifth life is on the brink of ending, she regains her old memories. She has partially survived death but is still in danger of losing her life. Now, she is determined to live her life to the fullest, avoiding the mistakes and tragedies of her past.

Young Master Ryou Inherits his father's Million dollar business, and a big mansion. Where he is welcomed by his personal maid, Aimi. All goes well until one unfortunate night, that night... that changes Ryou's life. Will Ryou be able to bargain for his own life? Will he be able to save others? What will happen? Read to find out! *** Yandere, Romance, Master and Maid, CEO, Police investigation, Crime Mystery, and much more! You're in for a good read! - First 10 Chapters ~ 1,000 Words - From 20 - 35 ~ 2,000 - 2,500 words - From 35 - 65 ~ 2,500 words to 5,000 words - From 65 ~ 2500 - 4000 words

“Bagaimana bisa!!!!” Teriak Rei panik, Bagaimana tidak panik? Seorang gadis pengurus sebuah panti asuhan yang bernama Aneisha Reishana alias Rei, jiwanya berada dalam tubuh Agatha Gianina seorang gadis cantik berkulit putih. Rei yang awalnya hanya seorang pengurus panti asuhan, tiba-tiba menjadi seorang nona muda keluarga Gianina. Semua bermula dari malam itu. Malam yang membuat Rei tidak ingin hidup sebagai dirinya. Malam itu, hujan deras membasahi malam ulang tahun Rei. Rei terdiam, dia membiarkan dirinya terguyur air hujan. Rasa putus asa di dalam dirinya lebih besar daripada rasa untuk hidup. Sampai akhirnya, sebuah mobil menabrak tubuh Rei. Rei hanya bisa melihat tetesan darah yang mengalir di pelipisnya. Kemudian semuanya menggelap. “Jika aku bisa memilih. Aku ingin mati” gumam Rei sebelum semuanya menggelap dan mengubah dunianya. Apa yang menjadi alasan Rei untuk mati? Bagaimana Rei menjalani hidup dalam diri Agatha? Disclaimer! The cover is not mine, credit to the owner. cr. pinterest

Avery: Aside from his mother, Avery is the only omega in a family full of alphas. As the youngest of four, he was strongly loved and heavily supported as he decided to make a name for himself as an artist. However, rather than filling him with warmth and passion like it once used to, he began feeling empty inside whenever he painted or drew. The night before his freshman orientation at the university he was going to attend, he made up his mind to deffer his enrollment and step away from art entirely. At nineteen years old, this one decision would not only alter the course of his future, but lead him to finding the answers to questions he desparatley searched for, "Why do I paint? Who do I paint for? What am I trying to say?". Even after taking a step back from his greatest passion, art is the only thing he has on his mind. Feeling lost and confused, a seemingly meaningless decision and one unfortunate situation leads him into the arms of an alpha he has never met. Though he was in heat, Avery has never been more sure of anything in his life as he was about this man. This was his alpha, and he would do anything in his ability to make sure it stayed that way. Kai: At twenty-four years old, Kai's life has been nothing but difficult. Having been abused by his mother after his father walked out on them as a baby, he could have easily wound up down the wrong path in life. Instead, despite everything he has been through, he graduated high scool and then went straight to work. Now Kai is a modest owner of a bar, living in a studio apartment and sending what wages he can to the mother who blamed him for her life. Harboring deep seeded guilt for the way his mother has lived, Kai swore he would never get involved romantically with anyone, much less an omega, lest he resign them to the same fate of his mother. However, that all changed when he was walking to work one evening and smelled the frightened pheromones of an omega in heat. He followed the scent to a young and incapacitated Avery, and decided that he needed to help him before things got worse. Carrying him back to his apartment, he did everything he could to reassure Avery and make sure that he was safe. He ran down to the corner store that was right next to his apartment and purchased some inhibitors to help with Avery 's heat... But when he returned he quickly realized that they would not work. Follow the story of Surrendering to Insanity, told from first person in both points of view. *This story takes place in a fictional setting. All names, places, and locations are fake. Any resemblance to reality is unintentional. The cover may change as the story progresses. If the length ends up longer than what is suited for the short stories category, it will be updated accordingly. As the story progresses, tags may update to better suit the work.*

When 22-year-old Elijah Stone is attacked by a rogue werewolf, he's rescued by Asher, a mysterious and handsome werewolf with the ability to control the moon's phases. As Elijah discovers his own hidden identity as a moon witch, he's drawn to Asher, despite the danger and taboo of their love. As they navigate the treacherous world of supernatural creatures, Elijah and Asher must confront their own demons and make a choice between their love for each other and their duty to their respective worlds. With the rogue werewolf still on the loose and a rival pack threatening war, Elijah and Asher must surrender to their love and trust in each other to survive. "Moonlight Surrender" is a paranormal romance novel that explores themes of forbidden love, self-discovery, and loyalty, set against the backdrop of a mystical world of supernatural creatures.

SHE Who had fair and glowing skin... Thick, long, and shiny black wavy hair... A pair of aqua-colored, sparkling eyes. And the one who'd been loved by elders, admired by children, and the pride of the family. SHE is my sister... My sister, who had everything that I don't, who got all that I want and received all that I've longed for. I hate her, but I want to be like her. Despite being a boy, I strived to be an equal to her. I've grown my hair and taken good care of my skin. I achieved the perfect replica of her. But just being only a copycat has never been enough. I lived as a living picture of her image and became the scenery of my family who misses her. I'm still not equal. Then one day, no one saw it coming... A circumstance occurred that twisted the cycle of our world which I did not expect would change everything that we used to and opened the door to the next chapter of my bittersweet life. The circumstance that crossed my path to the girl I never thought would play a huge part in my life... That one girl who spoiled me with attention and filled my empty existence with genuine affection. But... In just a blink of an eye, death took her from me. Her sudden death caused dubiety to all of us... Suicidal? No... Someone surely murdered her... But... Our only question is... . . . Who? ~~~

When a ruthless billionaire CEO and mafia kingpin, bound by a vow to his late wife, finds himself unexpectedly drawn to his new personal assistant, he must confront the darkness of his past and the danger of his present. Will he risk everything to surrender to his feelings, or will his loyalty to his deceased love forever silence his heart?"

Game Coder Gives Up On Life And Starts Living. A game coder wakes up in his own game and has to save his female npc. Will he win at his own game or loose the love of his life?

Ghj

Disebuah Negara yang bernama Negara Maikening mereka sedang mendebatkan suatu masalah yang penting

Jiang Xiaobai, a graduate of the Economics Department in the 21st century, was reborn in 1979 and witnessed the arrival of that era with his own eyes. Unstoppable, all things grow recklessly, dust and dawn rise, rivers converge into streams, unnamed hills rise as peaks, and the sky and earth are vast for a moment

Satoshi Sugimoto is an ordinary high school student with an extraordinary curiosity. A jack of all trades, Satoshi finds joy in exploring his diverse interests—anime, soccer, history, and more. As he navigates the simple yet meaningful moments of daily life, he learns that true fulfillment isn’t about chasing grand dreams, but embracing the beauty in the everyday.“Mundane Life” is a heartfelt journey through the quiet rhythms of Satoshi’s life, reminding us that the most extraordinary adventures often happen in the most ordinary of places.