He Ning also agrees with Tang Li's point of view, although it is an indisputable fact that the eldest son-in-law has violent tendencies and has publicly had a physical conflict with his father-in-law Li Gaofa, but it is precisely because of this that it makes people feel that he is not the person who needs to be focused on. Pen, fun, pavilion www. biquge。 info on the other hand, Ma Gang involved in the problem is that he likes to play cards, and listen to the meaning of Mrs. Chen's words, Ma Gang playing cards or gambling nature, not simply playing cards as a kind of leisure and entertainment activities, but a kind of gambling [HX] Bo activities, and once in order to gamble, even the work can be left aside to ignore it, and "when the pants are unlucky, they almost lose to others", then this is not simply like to touch a few cards, the so-called "small gambling pleasure" In other words, this Ma Gang is likely to be a well-disguised gambler, you must know that people can lose their minds, and even unscrupulous means to obtain money or other benefits, and the reason for madness is that two major parts of the country, one is involved in drugs, and the other is involved in gambling, both of which are difficult to get out of the quagmire once people fall in, and they will also make people lose all their conscience and only want to satisfy their own selfish desires.

It is not difficult to investigate Ma Gang, but they need to be careful not to be detected by Ma Gang, and after some careful investigation and verification, they really found one thing, a thing with a very different meaning - Ma Gang is not only a person who is addicted to gambling, but also borrowed high [HX] loans outside in order to repay his gambling debts.

"This Ma Gang, his job is not a particularly stable high income, the family's living expenses are mainly based on his wife Li Yuxiu's newspaper kiosk, he actually owes 100,000 yuan outside the high [HX] loan!" He Ning was a little surprised by the results of this investigation, "What we found is that it is a private loan, three points of interest, and monthly interest settlement, which means that if he can't repay the principal, he will have to give the other party an additional 3,000 yuan every month with interest alone!" This debt has been owed for more than half a year, and it is no wonder that Li Yuxiu wants to make money from Li Gaofa in every way, it turns out that in addition to his own unfilial piety, the more important reason is that there is a big hole in the family that cannot be filled! But ...... Judging from the economic conditions of Ma Gang and Li Yuxiu, if they have money, they will not be dragged out of 100,000 yuan until now, and they have not paid back a cent of the principal, and they have been paying interest to each other. Li Gaofa is alive, they can get the so-called nanny fee from Li Gaofa, which is used to subsidize the family and help repay the interest, if Li Gaofa dies, although his inheritance can be inherited, but half of it will be given to Li Yuxiu's sister Li Yuqing, Li Yuqing does not live locally, but in a neighboring city, then the chance of her wanting Li Gaofa to leave the house is very small, assuming that she chooses not to have a house, and the house belongs to Li Yuxiu and Ma Gang, then Li Yuxiu and Ma Gang need to value the house and pay Li Yuqing her half share according to the results of the valuation。 ”

Speaking of this, she looked at Tang Li with some confusion: "But if Li Yuxiu and Ma Gang can get half of the house payment, it is estimated that they will be able to repay Ma Gang's debts with interest." It is also feasible to say that the two sisters do not want a house, and it is feasible to choose to divide half of the house payment after the house is sold, but no one can say how long it will take to sell the seller, the formalities, the transfer, and so on, and if the house is unlucky, the house will not be sold for a year and a half, what will happen then? Without the economic subsidy from Li Gaofa, and without the money from the sale of the house, will it fall into a dead end?"

"Ma Gang should have another plan," Tang Li thought about it for a while, and then opened his mouth to express his opinion, "When Ma Gang learned that his father-in-law had an accident and it was a criminal case, his reaction was surprised, but this surprise seemed a little wrong, I don't know if you feel like this." ”

"Well, I also remembered what you said," He Ning nodded, "Generally, as a family member of the victim, when he suddenly learns that something happened to his relatives and it is a criminal case, the usual performance is shock, disbelief, and then pain, but Ma Gang was surprised after learning that his father-in-law Li Gao had an accident, but after that surprise, there was neither disbelief nor pain, and on the contrary, I always felt that he still had a faint joy that he tried to suppress." ”

"I feel the same way, so I think that Li Gaofa's accident may bring more benefits to Ma Gang and his wife than if he is alive. Tang Li was not surprised that he would coincide with He Ning in this matter, the two of them had such a tacit understanding most of the time, "The direction of our investigation is clear now. ”

Then the two of them conducted another investigation, and soon they found a very valuable harvest - Li Gaofa once bought an insurance, the type of insurance is personal accident insurance, and the payment has been paid for half a year now, and the insurance amount is that if there is a death due to an accident, the maximum compensation can be obtained from the insurance company of 200,000 yuan, and the beneficiary of this insurance is Li Yuxiu, and the actual payer is also her.

He Ning and the others had a number in their hearts at the moment, they had not found this insurance contract from Li Gaofa's house before, and it was obvious that the contract was not in Li Gaofa's hands. So the two of them did not go to Li Yuxiu and Ma Gang, but first found the insurance salesman who was in charge of this insurance policy and asked him about it.

This salesman is also in his early forties, and at first he was approached by two strangers, a man and a woman, and thought it was a business that came to the door, and he was extremely enthusiastic, but later he heard that the two of them were criminal police officers of the Public Security Bureau, and his expression became a little different, and then when he heard that Li Gaofa died, a face became cloudy.

"Isn't this a cheater!" he muttered, "who would have thought that a man who is seventy or eighty years old could have such a thing!

"Li Gaofa is in his early seventies, and you dare to sign a personal accident insurance with an insurance amount of 400,000 yuan for him, you are quite bold!" He Ning said to the insurance salesman who claimed to be Zhang Lei with a smile.

A layer of sweat faintly appeared on Zhang Lei's forehead, he smiled a little embarrassed, and was also a little nervous, and hesitated for a moment before saying: " In fact, I just want to rush the performance, and I don't think about it so much at all, I just think, anyway, an old man of such an age, basically he won't go out of the courtyard, it's nothing more than a fall on his head and bumping into something, in that case, we have a rule on the compensation ratio, saying that if he dies in an accident, he can pay up to 400,000 yuan, but an old man in his seventies and eighties can have such a deep hatred with whom, and no one else will kill him! How could I have thought that something would really happen. ”

"Then even if you didn't expect this, so you agreed to such a compensation amount, then why didn't the policyholder himself even know about this personal accident insurance?" He Ning decided to defraud this Zhang Lei.

Being deceived by her like this, Zhang Lei's face turned white all of a sudden, he deliberately changed his concept, got up and said to He Ning and Tang Li: "We have a customer file here, I can call it up to show you, we have a copy of the ID card of the policyholder Li Gaofa, we have a copy of the ID card of the policyholder Li Gaofa, we are a regular insurance company, we ......"

"You don't need to talk about the issue of whether it is formal or not," He Ning waved his hand at him, not buying his words at all, "You said that you have a copy of Li Gaofa's ID card, does the implication mean that someone took Li Gaofa's ID card or a copy of his ID card to buy out for Li Gaofa? From beginning to end, Li Gaofa himself has not been here, and your contract has not passed through Li Gaofa himself at all?"

Zhang Lei looked at He Ning with a tangled and embarrassed face, and then looked at Tang Li, hesitant and didn't dare to speak.

"Zhang Lei, you have to think about a question clearly," Tang Li also opened his mouth when he saw him like this, "Now that Li Gaofa is dead, the maximum amount of his insurance is 400,000, if this insurance can be established, then you have to explain to your company superiors why the elderly of this age and income level can get such a high insurance contract from you." It's up to you to decide which of the responsibilities is heavier. ”

Zhang Lei was reminded by him like this, and also felt that what he said made sense, sighed with a bitter face, and finally opened his mouth: "Alas, I have no way, isn't this a fluke, my job, I don't have the face to say it with a low basic salary, and I'm not afraid of your jokes, I want to support my family and live, so I rely on performance to get by, so in addition to calling everywhere, relatives and friends, as well as relatives and friends, all belong to my potential customers, and they need to be focused on." I and Li Gaofa's son-in-law Ma Gang, the two of us have been neighbors since childhood, and we haven't been in touch for a while, not last year through another old acquaintance, the two of us got in touch again, it was just re-connected, and there was nothing too specific to interact, the result was about four or five months ago, he suddenly took the initiative to contact me, saying that I said that I was doing insurance industry, and wanted to consult me about insurance, I heard that this is not the business to the door, so I hurriedly chatted with him, he said that his father-in-law was out all day long, he and his wife were not very relieved, wanted to give him an insurance, asked me what type of insurance, I roughly said that he liked personal accident insurance, and then said that looking for someone else is also to buy, it is better to find me, I am an old acquaintance with him, he feels relieved, then of course I am not happy to agree, made an appointment to let him bring someone over, but he came with his wife on the day he came. ”

"I asked him, didn't his father-in-law buy insurance? Then the old man had to come in person, even if it was inconvenient for the old man to come in person, we could go to the door, otherwise we wouldn't be able to do it. Ma Gang told me that his father-in-law was in his early seventies, and his brain was very old-fashioned, and he had no way to accept such a thing as insurance, so they came without telling his father-in-law, but they brought the old man's ID card and household registration book. Ma Gang told me that his eldest sister and his family don't care about the life or death of the old man at all, and they usually don't come over much, and his father-in-law basically relies on him and his wife to take care of them, so if there is really any problem in the future, they will have to spend money to send them to the hospital for treatment, and they will be waiting for the front and back of the fence, so although this insurance is said to be bought for his father-in-law, but in the final analysis, they consume it, and it is also for them to leave a guarantee for themselves, so as not to let the old man really accidentally be scraped by a motorcycle, hit by a bicycle, or fall somewhere or something, and they have to pay for medical treatment and hospitalization, so that they also feel more down-to-earth in their hearts。 ”

"So you agreed?"

Zhang Lei nodded with a sad face: " I don't hide it, I know it's not in order, but I was two or three months in a row when the performance was not up to standard, the family is just in need of money, to the door of the business I have no reason to push out, I put this acquaintance's business out, who knows how long the next business will have to wait, besides, the higher the amount of his insurance claims, the higher the premium paid with the tide, I also told Ma Gang, his father-in-law is old, can not be the same as young adults, the premium may be a little higher, he agreed to be happy, I thought, to the money at hand I really can't push out, so I agreed。 For his order, I didn't work hard, you police officers know that it is not in accordance with the rules, how can others not know, I beg this please that, hide this, hide that, anyway, in the end I feel that everyone is happy, they are also very happy, I paid a year's money in one breath, I am also very happy, at least I can get a commission, I also told him, back to the time to renew the insurance let him tell me in advance, don't cheap others. As a result, how long has it been, how can such a big thing really happen to the old man! It can't be that Ma Gang deliberately tricked me, right?"

In fact, the answer to this question goes without saying that everyone knows it in their hearts, Ma Gang definitely didn't have any good intentions when he first pulled Li Yuxiu to give Li Gao some personal accident insurance.

"Two, does that Ma Gang have anything to do with the death of his father-in-law? Did he plan it himself, just to cheat the insurance payment? If so, his insurance contract will not be effective!" After complaining and cursing, Zhang Lei finally calmed down and thought of a question that was very beneficial to himself.

Tang Li shook his head: "It's hard to say, we have to see if Li Gaofa's death is directly related to Ma Gang." If not, then how you solve the problem of the payment of this insurance is none of our business. ”