The Risk Profession.

by Donald Edwin Westlake.

_The men who did dangerous work had a special kind of insurance policy. But when somebody wanted to collect on that policy, the claims investigator suddenly became a member of ..._

The RISK PROFESSION

By DONALD E. WESTLAKE

Mister Henderson called me into his office my third day back in Tangiers. That was a day and a half later than I'd expected. Roving claims investigators for Tangiers Mutual Insurance Corporation don't usually get to spend more than thirty-six consecutive hours at home base.

Henderson was jovial but stern. That meant he was happy with the job I'd just completed, and that he was pretty sure I'd find some crooked shenanigans on this next a.s.signment. That didn't please me. I'm basically a plain-living type, and I hate complications. I almost wished for a second there that I was back on Fire and Theft in Greater New York. But I knew better than that. As a roving claim investigator, I avoided the more stultifying paper work inherent in this line of work and had the additional luxury of an expense account n.o.body ever questioned.

It made working for a living almost worthwhile.

When I was settled in the chair beside his desk, Henderson said, "That was good work you did on Luna, Ged. Saved the company a pretty pence."

I smiled modestly and said, "Thank you, sir." And reflected to myself for the thousandth time that the company could do worse than split that saving with the guy who'd made it possible. Me, in other words.

"Got a tricky one this time, Ged," said my boss. He had done his back-patting, now we got down to business. He peered keenly at me, or at least as keenly as a round-faced tiny-eyed fat man _can_ peer. "What do you know about the Risk Profession Retirement Plan?" he asked me.

"I've heard of it," I said truthfully. "That's about all."

He nodded. "Most of the policies are sold off-planet, of course. It's a form of insurance for non-insurables. s.p.a.ceship crews, asteroid prospectors, people like that."

"I see," I said, unhappily. I knew right away this meant I was going to have to go off-Earth again. I'm a one-gee boy all the way. Gravity changes get me in the solar plexus. I get g-sick at the drop of an elevator.

"Here's the way it works," he went on, either not noticing my sad face or choosing to ignore it. "The client pays a monthly premium. He can be as far ahead or as far behind in his payments as he wants--the policy has no lapse clause--just so he's all paid up by the Target Date. The Target Date is a retirement age, forty-five or above, chosen by the client himself. After the Target Date, he stops paying premiums, and we begin to pay him a monthly retirement check, the amount determined by the amount paid into the policy, his age at retiring, and so on. Clear?"

I nodded, looking for the gimmick that made this a paying proposition for good old Tangiers Mutual.

"The Double R-P--that's what we call it around the office here--a.s.sures the client that he won't be reduced to panhandling in his old age, should his other retirement plans fall through. For Belt prospectors, of course, this means the big strike, which maybe one in a hundred find.

For the man who never does make that big strike, this is something to fall back on. He can come home to Earth and retire, with a guaranteed income for the rest of his life."

I nodded again, like a good company man.

"Of course," said Henderson, emphasizing this point with an upraised chubby finger, "these men are still uninsurables. This is a retirement plan only, not an insurance policy. There is no beneficiary other than the client himself."

And there was the gimmick. I knew a little something of the actuarial statistics concerning uninsurables, particularly Belt prospectors. Not many of them lived to be forty-five, and the few who would survive the Belt and come home to collect the retirement wouldn't last more than a year or two. A man who's spent the last twenty or thirty years on low-gee asteroids just shrivels up after a while when he tries to live on Earth.

It needed a company like Tangiers Mutual to dream up a racket like that.

The term "uninsurables" to most insurance companies means those people whose jobs or habitats make them too likely as prospects for obituaries.

To Tangiers Mutual, uninsurables are people who have money the company can't get at.

"Now," said Henderson importantly, "we come to the problem at hand." He ruffled his up-to-now-neat In basket and finally found the folder he wanted. He studied the blank exterior of this folder for a few seconds, pursing his lips at it, and said, "One of our clients under the Double R-P was a man named Jafe McCann."

"Was?" I echoed.

He squinted at me, then nodded at my sharpness. "That's right, he's dead." He sighed heavily and tapped the folder with all those pudgy fingers. "Normally," he said, "that would be the end of it. File closed.

However, this time there are complications."

Naturally. Otherwise, he wouldn't be telling _me_ about it. But Henderson couldn't be rushed, and I knew it. I kept the alert look on my face and thought of other things, while waiting for him to get to the point.

"Two weeks after Jafe McCann's death," Henderson said, "we received a cash-return form on his policy."

"A cash-return form?" I'd never heard of such a thing. It didn't sound like anything Tangiers Mutual would have anything to do with. We _never_ return cash.

"It's something special in this case," he explained. "You see, this isn't an insurance policy, it's a retirement plan, and the client can withdraw from the retirement plan at any time, and have seventy-five per cent of his paid-up premiums returned to him. It's, uh, the law in plans such as this."

"Oh," I said. That explained it. A law that had snuck through the World Finance Code Commission while the insurance lobby wasn't looking.

"But you see the point," said Henderson. "This cash-return form arrived two weeks after the client's death."

"You said there weren't any beneficiaries," I pointed out.

"Of course. But the form was sent in by the man's partner, one Ab Karpin. McCann left a hand-written will bequeathing all his possessions to Karpin. Since, according to Karpin, this was done before McCann's death, the premium money cannot be considered part of the policy, but as part of McCann's cash-on-hand. And Karpin wants it."

"It can't be that much, can it?" I asked. I was trying my best to point out to him that the company would spend more than it would save if it sent me all the way out to the asteroids, a prospect I could feel coming and one which I wasn't ready to cry hosannah over.

"McCann died," Henderson said ponderously, "at the age of fifty-six. He had set his retirement age at sixty. He took out the policy at the age of thirty-four, with monthly payments of fifty credits. Figure it out for yourself."

I did--in my head--and came up with a figure of thirteen thousand and two hundred credits. Seventy-five per cent of that would be nine thousand and nine hundred credits. Call it ten thousand credits even.

I had to admit it. It was worth the trip.

"I see," I said sadly.

"Now," said Henderson, "the conditions--the circ.u.mstances--of McCann's death are somewhat suspicious. And so is the cash-return form itself."

"There's a chance it's a forgery?"

"One would think so," he said. "But our handwriting experts have worn themselves out with that form, comparing it with every other single sc.r.a.p of McCann's writing they can find. And their conclusion is that not only is it genuinely McCann's handwriting, but it is McCann's handwriting at age fifty-six."

"So McCann must have written it," I said. "Under duress, do you think?"

"I have no idea," said Henderson complacently. "That's what you're supposed to find out. Oh, there's just one more thing."

I did my best to make my ears perk.

"I told you that McCann's death occurred under somewhat suspicious circ.u.mstances."

"Yes," I agreed, "you did."