Chapter XXVII Change of Beneficiary

The two of them came to the insurance company, and after explaining their identities and intentions to the front desk, the front desk took them to a small reception room, and asked them to wait there, and they went to contact the relevant personnel to come over and cooperate with their investigation, and after a while, the little girl at the front desk came back with a smile, and brought two cups of tea in her hand, and handed them to Qin Cang and Tang Guo one by one, with a little apology on her face.

"I'm really sorry, I just according to the name of the policyholder you said, I have contacted the top, the top has confirmed, our company did sell such an insurance, but the specific manager at that time is on vacation today, has not come, but we have contacted him, he is on the way over, I heard that the family is not far away, it is estimated that it will be there in a while, you wait a little, drink some tea, or if you like coffee, I will make you a cup of coffee, right?" Do I need to add sugar and milk? ”

"No need, no need," Tang Guo hurriedly waved his hand politely to the girl at the front desk, a little flattered, "Let's just drink tea, you go get busy, let's wait, don't delay your work." ”

"Okay, then I'll go out first, come to me if there's anything, don't be polite!" The girl at the front desk said to Tang Guo with a smile, and then nodded politely to Qin Cang, then got up and left the small reception room, and by the way, she gently closed the door from the outside.

"The service attitude of this insurance company is really good! I heard from the people in the team before, sometimes go out to visit the investigation, and you will touch a nose of ash at every turn, today is really good here, it is actually tea and coffee to entertain us! We're in luck! Tang Guo took a sip of tea, it was chrysanthemum tea, the white paper cup was set off, it seemed that the tea was clear and green, and rock sugar was probably added to it, which was not only fragrant, but also faintly sweet.

Qin Cang didn't buy it, let alone be flattered and so on, he curled the corners of his mouth before, not so much laughing, but more like ridiculing: "For them, we may be the 'messengers' of the good news, of course we have to be entertained well, what is there to make a fuss about." ”

"Annunciation? You're not kidding me, are you? Tang Guo was a little surprised Qin Cang's answer, "We are the police, or the criminal police, whoever we contact, the best and best result is nothing more than to find someone to testify, how can I not think of under what circumstances we can bring good news to others!" ”

Qin Cang glanced at her, playing with the paper cup in his hand, but did not drink the tea inside: "This is the insurance company, Kong Xiaotong is very likely to be insured with personal accident insurance, and now Kong Xiaotong died of homicide, which makes the insurance effective, and the insurance company needs to settle the claim according to the agreed amount, but the original intention of the insurance company to sell the insurance is not to pay for others after the policyholder has an accident, it is best for every policyholder to be safe, and pay the premium for nothing every year, then everyone is happy, and now there is such a thing suddenly, Kong Xiaotong died of homicide, but the police came to the insurance company to investigate the situation, which clearly shows that Kong Xiaotong's insurance is strange, if it is a murder caused by the beneficiary in order to defraud the insurance, then the insurance company does not need to fulfill the obligation to pay the insurance money, this is not good news and happy news for them? ”

When Qin Cang said this, Tang Guo also understood that the saddest thing for the victim's family may be good news for the insurance company, and it is really because of the different positions and different angles of dealing with the problem, the nature of the same thing will also change dramatically.

The waiting process was boring, Tang Guo got up early in the morning to pick up Qin Cang, didn't even eat, and almost gurgled in his stomach, and now he had to rely on chrysanthemum tea to fill a full cup of water, but how could such a paper cup of tea be filled with water, seeing a small sip of water, this cup of water was still at the bottom, and she was embarrassed to really go out to find the girl at the front desk to help her get another cup.

However, she found that Qin Cang didn't drink his cup of tea, which made her a little curious: "Don't you like the taste of chrysanthemum tea?" I saw you so cold just now, your face is not the same color, and the warm air blew in the car for a while before it eased up a little, why don't you drink some hot tea to warm up now? ”

Qin Cang's slender fingers subconsciously rubbed along the edge of the paper cup one by one, but he didn't touch the tea in the quilt with his lips. ”

"You can't be the king of some small country I don't know about, and you accidentally came to us, right?" When Tang Guo heard him say this, he felt a little funny, "Although it is good to say that you have a little sense of precaution, but do you want to be so careful?" Do you think that 'there are always people who want to harm me'? ”

Qin Cang glanced at her and ignored her ridicule, Tang Guo also felt a little bored, so he simply stopped talking.

After a while, a short and fat young man pushed the door from the outside and walked in, although the weather was a little cold today, but at this moment he was hanging with beads of sweat, panting very roughly, snoring, very tired, obviously in a hurry, with a file folder in his hand.

"Hello! Hello! The two of you are from the Public Security Bureau, right? Excuse me! Excuse me! I've kept you waiting! With a professional smile on his face, the young man greeted Qin Cang and Tang Guo with a very warm attitude, and took a few deep breaths by the way, wanting to adjust his chaotic breathing rhythm back.

He sat down opposite Tang Guo and Qin Cang, took out a tissue from his pocket and wiped the sweat that had begun to flow down his forehead, put the file folder on the small round table, and introduced himself: "My name is Wang He, you want to investigate Ms. Kong Xiaotong's insurance records, right?" I handle her insurance, so you can ask me if you have anything. ”

Tang Guo also hurriedly took out his documents and handed them over to Wang He to look at, Wang He took them and looked at them, handed Tang Guo's documents back with both hands, and said to her with a smile: "I really didn't expect that this police flower is so young, not only a criminal policeman, but also a serious crime team!" It's really a hero from ancient times, and women don't let their eyebrows go! ”

"Where, where, you've won the prize." Tang Guo was a little embarrassed by Wang He's praise, and hurriedly expressed his modesty.

Qin Cang cleared his throat expressionlessly on the side, and said to Wang He: "The purpose of our coming today is to understand Kong Xiaotong's insurance situation, not to buy insurance, so unnecessary politeness can be collected." ”

Wang He was a little embarrassed, his face was uncomfortable, it is estimated that his enthusiastic attitude on weekdays has always been invincible, and he can kick the iron plate like this today, which was not expected in advance. However, his professionalism is still quite good, he quickly hid his stunned expression, quickly adjusted his mood, straightened his waist, sat upright, and nodded solemnly with a solemn expression: "Okay, then you ask, I know everything." ”

Qin Cang still didn't buy his attitude this time, or didn't want to pay attention to it at all, and asked straight to the point: "What kind of insurance did Kong Xiaotong buy from you?" Who is the agent? ”

Wang He obviously reviewed the relevant content of Kong Xiaotong's insurance before coming to meet them, so he answered very fluently: "She is insured with personal accident insurance, the insured amount is the upper limit of this insurance, and the effective time is the early morning of the next day after the payment is received, and the insurance agent is her husband, a gentleman named Meng Junmao, but our company's process is still very strict, not sloppy at all, at that time, it was Meng Junmao who showed the original personal documents of Ms. Kong Xiaotong, There is also her written consent to handle it, we have verified it repeatedly, and we also took the initiative to contact Ms. Kong Xiaotong herself according to the contact number to confirm with her whether she knew about it, and she said that she knew and gave permission, so we applied for this insurance for her. I want to ask, what happened to Ms. Kong Xiaotong, can you tell us a little bit appropriately? ”

"She was attacked on her way off the night shift and was killed." Qin Cang said the result of the matter succinctly.

Wang He nodded, he was not too surprised, I don't know if it was because he worked in an insurance company, so he was better able to bear this kind of thing than people in other industries, and he didn't make a fuss because of this. He thought for a moment, then asked tentatively, "Then can I take the liberty of asking a question?" You have come to me to find out about this matter, do you suspect that Ms. Kong Xiaotong's murder is related to her husband, Mr. Meng Junmao? ”

"Why? Did Meng Junmao have any suspicious behavior in the insurance process, or was there something wrong with his attitude? Tang Guo felt that Wang He's question was very abrupt.

"No, no, I didn't mean that, I'm an outsider, how can I be qualified to get an axe in front of you!" Wang He smiled and waved his hand, his attitude was still very cautious, for fear that what he said would be inappropriate, but he would cause some trouble for himself, "I just suddenly thought of something, I don't know if it has anything to do with Ms. Kong Xiaotong's accident." ”

"If you have something to say, you don't have to go around and waste everyone's time, aren't you also on vacation today." Qin Cang urged a little impatiently, disgusted with Wang He.

Wang He smiled at him disapprovingly, nodded, and said: "That's the case, this insurance was indeed handled by Mr. Meng Junmao at the beginning, and it was also agreed by Ms. Kong Xiaotong, and the beneficiary of the insurance is the spouse of the policyholder, that is, Mr. Meng Junmao himself." Because the agent is the designated beneficiary, out of prudence, we specially called Ms. Kong Xiaotong in front of Mr. Meng Junmao to confirm the matter, and Ms. Kong Xiaotong said that there was no problem, and we would do it. But after this insurance was completed and took effect, about half a month later, Ms. Kong Xiaotong came to our company to find me and applied for changing the beneficiary of the insurance, because she was the party who was insured, so she had the right to make this application, and we helped her do it, she specially told us at the time, I hope that this matter will not be known to Mr. Meng Junmao, that is, her husband, and hope that we can keep it confidential for her, I told her at the time that we will not specifically notify Mr. Meng Junmao of this matter, Now that she wants to keep it a secret, we won't tell each other about it. ”

"The beneficiary has changed? Who has it become? Tang Guo hurriedly asked.

Wang He said: "The beneficiary has become Ms. Kong Xiaotong's father, Mr. Kong Chengyou. ”