YIM HO KING, the boss of Rising Sun Insurance, is a very superstitious man. He requests all his male staff to go worshipping with him. On their way to the temple, insurance broker KWOK FU KEUNG is shocked to learn that a client of his, Mr. CHEUNG, is trying to commit suicide in order to claim on insurance. KEUNG rushes to the scene and manages to persuade Mr. CHEUNG into giving up his idea. The manager of another team, KAI FAN, persuades KEUNG to work for their competitor – Shing Sai Insurance. KEUNG’s younger brother, FU KAN, calls and tells him that he has killed someone. It turns out that it is only a misunderstanding. A good friend of KEUNG’s LIU YUEN HO is heavily in debt because of his immoral affairs in mainland China. He lies to his fiancee, KUK YEUK HEI, to treat her into helping him to make an insurance claim. HEI works in a bank. She knows quite a lot about insurance……