a great cast do what it can with ludicrous detail . the most intriguing aspect of this story be that the audience be constantly in search of a hero or victim and but all of the character be villain and to vary degree . the real problem be the basic premise . it would have be nice if the writer would have actually do some research instead of make up ridiculous lie about the insurance industry . for starter and attempt to deny or reduce legitimate claim payment be a practice call unfair claim practice and and be prohibit in all state . secondly and no insurance company would issue a life insurance policy to a know con man and especially for $ 1 million . ( and you can not blame it on a particular office all policy go through a central underwriting department at the main office . ) thirdly and once a life insurance policy have be in force for 2 year and it become incontestable . the only thing that would cause an investigation be if there be a question of the deceased identity and or there be an accidental death benefit that might not be an accident . furthermore and insurance fraudsters be notorious for not self inflict real damage to themselves . lastly and a claim investigator and agent . can not do what jam whitaker character do near the end of the movie and or even throughout the movie . the end be rather unusual . afterward and it do make sense and in a strange way . but this be a strange film . give it a try if you have nothing well to do and like strange plot twist .