Plot: After a suspicious fatal car accident in Hastings where the identity of the victim was forged, the Quality Life insurance company sends their smart investigator Abe Holt to identify the body. The unique beneficiary of the one million dollars death benefit is the sister of the victim, Isold, who lives with her son Thor and her husband Fred in a poor cabin in the middle of nowhere. Along the investigation, Abe discloses the truth about the fraud, but feels sorry for Isold and Thor and tries to help them with tragic consequences.
Alternative Plot: Insurance investigator Abraham Holt (Forest Whitaker) travels to a tiny town in rural Minnesota to look into a particularly unusual insurance claim stemming from a horrific car accident. As Holt examines the scene of the wreck, it all seems a bit too perfect. And when he interviews Isold Mcbride (Julia Stiles) and her shifty husband, Fred (Jeremy Renner) -- the impoverished beneficiaries of the massive, recently initiated life-insurance policy -- he begins to suspect that something is amiss.
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